FAQs

In general, our branches are open Monday through Friday, with select locations also open on Saturday mornings. We are closed on Sundays and Federal Reserve holidays. You’ll still have 24/7 access to your accounts through Online and Mobile Banking. Please click here to view our full list of branch locations and hours.

Our email address is Membership@FortBraggFCU.org. For your security, please do not include any personal identification information—such as account numbers, Social Security numbers, or other sensitive details—when contacting us by email.

Our field of membership is open to active-duty military, retired military, persons who live, worship, work (or regularly conduct business in) or attend school, businesses and other legal entities in Cumberland, Harnett, Hoke, Lee, Moore, Robeson, or Scotland County, NC. Dependents and immediate family members are also eligible for membership. Click here to start an online membership application.

You can apply for membership at Fort Bragg Federal Credit Union by visiting any of our branch locations, giving us a call, or applying online through our website. Click here to start an online membership application.

You can contact us by calling or visiting any of our branch locations during business hours. Our phone number is (910) 864-2232 or (866) 793-5328. You may also contact us by clicking here to send a secure email.

Or you may contact us by mail at:
Fort Bragg Federal Credit Union
PO Box 70240
Fort Bragg, NC 28307

You can update your address by visiting any of our branch locations, or by calling us. Please click here to view our full list of branch locations and hours. For your security, please avoid sending account numbers, Social Security numbers, or any other sensitive information by email.

To add a joint owner to your account, both the primary account holder and the prospective joint owner must visit a branch in person. The joint owner will need to present valid government-issued identification. To remove a joint owner, please either visit a branch or contact us by phone.

If your employer offers direct deposit, please complete the Direct Deposit Form, print it, and submit it to your employer's payroll department.

You will not be charged any fees when using ATMs owned and operated by Fort Bragg Federal Credit Union.

Regulation CC sets minimum standards for funds availability, but our hold times may vary based on factors like check type, deposit amount, account history, and special circumstances such as suspected fraud.

A Foreign ATM is any ATM that is not owned or operated by FBFCU. Some Fort Bragg Federal Credit Union accounts offer free or discounted Foreign ATM fees, while others may not. For the most up-to-date details, please review our Rate and Fee Schedule, which can be found under the Additional Services tab in Online Banking. Click here to log in to Online Banking.

Interest rates on Certificates of Deposit (CDs) can vary depending on the length of the term and the initial deposit amount. Click here to view our current rates.

A Certificate of Deposit (CD) is a type of savings account that offers a fixed interest rate and a set maturity date. When you open a CD, you agree to keep your money on deposit for a specific period of time in exchange for earning a higher rate than a regular savings account. And some of our CDs also include a “Step Up” Option, which gives you the advantage of moving to a higher rate if rates increase after you’ve opened your CD. But think longer term, because withdrawing funds before the maturity date may result in a penalty. Click here to learn more about our CDs.

Fees and charges for Fort Bragg Federal Credit Union checking accounts vary depending on the account. For information about our checking accounts, go to our Checking Account page.

Please visit a branch location or call us if your checks were lost or stolen.

Secure Checking at Fort Bragg Federal Credit Union is a comprehensive checking account designed to provide both convenience and enhanced financial protection. The account has no minimum balance requirement and earns interest on balances over $2,500. Members enjoy unlimited bill pay, cell phone protection up to $300, identity theft monitoring, free credit reports, 90-day purchase protection, travel and health discounts, and shopping rewards. To access these benefits, members must register after opening a Secure Checking account, which gives immediate access to all protections and perks associated with the account.

To register for Secure Checking with Fort Bragg Federal Credit Union, members must first open a Secure Checking account. After opening the account, visit the Secure Checking registration page on the FBFCU website and follow the prompts to complete registration. You will need our access code which is NC422945. Once registered, you gain immediate access to all Secure Checking benefits, including identity theft protection, cell phone coverage, and 90-day purchase protection. Don’t forget to sign up for free credit monitoring!

Yes. Your Fort Bragg Federal Credit Union Visa® cards can be used anywhere Visa® is accepted. However, to help protect you from fraud and identity theft, some Visa® transactions are not permitted in certain countries. Please contact us for the most up-to-date list of restricted countries before traveling or making international purchases online. If you are planning to travel, we recommend carrying an alternate form of payment and ensuring we have your current cell phone number so our 24-hour fraud monitoring service can quickly reach you if any suspicious activity is detected.

To help protect yourself from unexpected overdrafts, you can link your checking account to another account, a line of credit, or a credit card to cover any overages. Fort Bragg Federal Credit Union also offers two additional types of overdraft coverage: Standard Overdraft Privilege and Extended Overdraft Privilege. Standard Overdraft Privilege applies to checks and automatic bill payments, while Extended Overdraft Privilege also covers ATM and everyday debit card transactions. It’s important to opt in to Extended Overdraft Privilege so eligible transactions can be covered. Please note that fees apply to both services. These discretionary programs are designed to help prevent returned checks, avoiding the inconvenience and higher costs that can result from insufficient funds. For more information, visit our Asset and Account Protections page.

Visit the Asset and Account Protections page for more information.

Yes, Fort Bragg Federal Credit Union may place holds on checks. For an overview of our funds availability policy, please review the table below.

There may be a $5 fee for a replacement Visa® debit card, depending on your specific situation.

The terms “debit card” and “check card” mean the same thing. A debit card works much like a check because it withdraws money directly from your checking account—therefore debiting your account. If you choose, it can also be set up to withdraw money from your savings account. You can use it anywhere the Visa® logo is displayed, making it a convenient way to pay for everyday purchases like groceries, gas, and more.

Each cardholder on a joint account has their own individual daily limits. Click here to view debit card withdrawal limits.

There is no charge for making a purchase with your Visa® check card.

During our business hours, call us at (910) 864-2232 or (800) 793-2328 to report a lost VISA® debit or Visa® credit card. After business hours, call (888) 373-5714.

If your Visa® card is lost or stolen, report it immediately. During business hours, call (910) 864-2232; after business hours, call (888) 373-5714. Any unauthorized Visa® transactions must be reported to us in writing within 60 days of the first statement showing the error. Zero liability protection applies if you have not been grossly negligent or engaged in fraud in handling your card.

It’s a good idea to keep important financial and legal records for set periods of time. Tax returns and supporting documents should be kept at least three years, and in some cases up to six. Bank and credit card statements or pay stubs can usually be kept for about a year, unless they’re needed for taxes. Property records, including purchase documents and proof of improvements, should be kept for as long as you own the property and a few years after selling. Loan documents should be saved until the loan is paid off, while insurance policies should be kept as long as they’re active, with life insurance and legal documents like birth certificates, wills, and powers of attorney kept permanently. To stay organized and secure, store originals in a safe place, keep digital copies, and shred outdated records that contain personal information. For more information, refer to trusted sources such as the IRS, Federal Trade Commission, Consumer Financial Protection Bureau, or a professional accounting firm.

When deciding whether to buy or lease a car, consider both your finances and lifestyle. Ask about monthly payments, total cost, down payments, fees, insurance, and the car’s value at the end of a loan or lease. Think about your driving habits, including how many miles you drive annually and whether you want to customize the car. Consider how long you plan to keep the vehicle, whether you want ownership, and if you might want to trade in or sell it later. Also ask about lease-end options, maintenance, warranties, and how taxes differ between buying and leasing. Click here to use our Auto Buy or Lease calculator.

It might be tempting to view your 401(k) as a source of emergency funds, but before you dip into your retirement account for cash, explore alternatives. Click here to learn more about planning for retirement.

To establish good credit, you can start by opening a secured credit account, such as a Savings or Certificate of Deposit secured loan, or a Secured Visa® Credit Card. Make all payments on time, as your payment history is the most important factor in your credit score. Consistent, responsible use over time is the key to building strong credit. Click here to read more about establishing good credit.

Cosigners lend their names and good credit histories to the maker. Should the maker die, lose a job, or otherwise fail to make payments, all responsibility for meeting the terms of the loan transfers to the cosigner. An often-overlooked aspect of cosigning a loan is the fact that the loan appears on both the maker's and cosigner's credit reports.

You can reorder checks online. Click here to order checks. You will need our routing number (253175737) and your account number.

Yes, Fort Bragg Federal Credit Union offers a variety of investment services to help members grow their wealth and plan for the future. These include Savings, Certificates of Deposit, and Money Market Accounts. Each come in a variety of terms to fit financial goals. Additionally, our MEMBERS Financial Services team provides access to professional financial advisors who offer personalized financial assessments, retirement planning, and investment strategies tailored to individual needs. Click here to schedule a consultation, members can visit the credit union’s website or contact them directly.

In general, our branches are open Monday through Friday, with select locations also open on Saturday mornings. We are closed on Sundays and Federal Reserve holidays. You’ll still have 24/7 access to your accounts through Online and Mobile Banking. Please click here to view our full list of branch locations and hours.

In general, our branches are open Monday through Friday, with select locations also open on Saturday mornings. We are closed on Sundays and Federal Reserve holidays. You’ll still have 24/7 access to your accounts through Online and Mobile Banking. Please click here to view our full list of branch locations and hours.

CO-OP networks and shared branching allow members to access their accounts and services beyond their home credit union. The CO-OP network provides access to thousands of ATMs nationwide, often surcharge-free, for withdrawals, balance checks, and sometimes deposits. Shared branching enables members to perform many in-branch transactions—such as deposits, withdrawals, loan payments, and transfers—at other participating credit unions, with real-time access to their accounts. These cooperative systems give members expanded access, convenience, and cost savings, making it easier to bank while traveling or living in areas without a nearby branch of their credit union.

We offer Savings, Certificates of Deposit, and Money Market Accounts. Each come in a variety of terms to fit financial goals. Click here to learn more.

Yes, Fort Bragg Federal Credit Union (FBFCU) offers free Bill Pay in Online Banking to its members. This service allows you to send electronic payments directly from your account, set up one-time or recurring payments to companies, utilities, and even individuals, and manage your bill payments securely through online banking. You can access Online Bill Pay by logging into your FBFCU online banking account.

Yes, Fort Bragg Federal Credit Union (FBFCU) offers mobile banking through its FBFCU Live app, available for both Android and Apple devices. This free, secure app allows you to manage your accounts anytime, anywhere. With FBFCU Live, you can check account balances, view transaction history, pay bills, deposit checks, transfer funds between accounts, and locate nearby branches and ATMs.

Fort Bragg Federal Credit Union members can set up mobile wallet services, such as Apple Pay, Google Pay, or Samsung Wallet, to make secure, contactless payments with their smartphones. To get started, download the appropriate wallet app for your device, add your FBFCU debit or credit card, and complete any required identity verification. Set up authentication on your device, such as Face ID, Touch ID, or a PIN, to authorize transactions. Once your card is added, you can make payments at participating merchants by holding your smartphone near the contactless terminal. Mobile wallet services are secure, using tokenization to protect your card information, and there are no fees from FBFCU for using these services, though standard data rates may apply.

Our Routing Number is 253175737. This unique nine-digit code identifies financial institutions and is needed for common transactions like direct deposits, automatic bill payments, wire transfers, external account transfers, and even ordering checks. In short, it ensures money moves to and from the correct financial institution.

Fort Bragg Federal Credit Union offers a variety of electronic services to give members convenient and secure access to their accounts. These include mobile and online banking, text banking, mobile wallet, and Tel-Info. These services are designed to make managing your finances easy, whether you’re at home or on the go. Click on eServices at the top of the page to learn more.

If you’re unable to log in to your Fort Bragg Federal Credit Union home banking account, first make sure you’re entering your username and password correctly. If you still can’t access your account, use the “Forgot Username” or “Forgot Password” options on the login page to reset your information. If the problem continues, contact FBFCU directly by phone or visit a branch for assistance. Important: Never send sensitive or personal information, such as your account number, password, or Social Security number, in an email. FBFCU staff will never request this information via email.

Fort Bragg Federal Credit Union members can log in to online banking either through the web portal or the FBFCU Live mobile app. To access the online portal, visit the FBFCU login page and enter your username and password. First-time users can click the “First Time Logging In?” link to register. For mobile banking, download the FBFCU Live app from the Google Play Store or Apple App Store, then log in with your online banking credentials. Members can also use Tel-Info, FBFCU’s automated phone banking service, to check balances and recent transactions. Important: never share sensitive information such as account numbers, passwords, or PINs via email, as FBFCU will never request these through unsecured channels.

To gain access to online banking, visit the FBFCU login page and click the “First Time Logging In?” link to register.

Yes, your information is secure when transmitted to our server using Secure Sockets Layer (SSL) encryption. Your browser generates random numbers called keys, known only to your browser and the server. Once these keys are established, your browser encrypts the messages you send, keeping them private. To confirm your browser is in secure mode, look for the lock symbol at the bottom of your browser window.

Yes. Through Online Banking, you can download account information to your computer for importing into Quicken or MS Money.

We offer a wide range of loans to meet the diverse needs of its members. These include vehicle loans for new and used cars, motorcycles, RVs, and boats, as well as home loans such as VA, FHA, and USDA mortgages. Members can also access a home equity line of credit (HELOC) for home improvements, debt consolidation, or other expenses. Personal loans are available for purposes like vacations, education, or unexpected costs, and credit-building loans help establish or rebuild credit. For businesses, FBFCU provides business loans for real estate, equipment, and vehicles, as well as lines of credit for flexible borrowing. These options are designed to provide competitive rates, flexible terms, and support for a variety of financial goals. Click here to learn more.

Yes, you must be a member of Fort Bragg Federal Credit Union to apply for a loan. If you’re not already a member, you can join FBFCU when you apply for a loan by completing membership and loan applications at the same time.

No, Fort Bragg Federal Credit Union (FBFCU) does not offer student loans but other types of loans offered by FBFCU, such as personal loans or lines of credit, can also be used to help finance education-related expenses if needed.

Because federal law requires that each of the three major credit-reporting agencies—Experian, Equifax, and TransUnion—provide you with a free credit report once per year, it’s a good idea to stagger when you request each report. By doing this, you can monitor your credit throughout the year, track updates from the three bureaus, and spot any errors that could lower your credit score. Staggering also helps you detect potential identity theft earlier, giving you more time to address any issues.

The federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year. You can request a free copy of your credit report by visiting AnnualCreditReport.com. According to the Federal Trade Commission, the only authorized online source is at annualcreditreport.com. Consumers should be aware that there are many sites out there that claim to offer “free” credit reports but often charge you for another product if you accept the report. To request your credit report by phone, call (877) 322–8228. To request your credit report by mail, write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

A signature loan is a loan without material collateral such as a car or home. The maximum amount you can borrow is $30,000. You can use this loan for just about any purpose. Click here to apply online for a signature loan.

Yes. Your Fort Bragg Federal Credit Union Visa® cards can be used anywhere Visa® is accepted. However, to help protect you from fraud and identity theft, some Visa® transactions are not permitted in certain countries. Please contact us for the most up-to-date list of restricted countries before traveling or making international purchases online. If you are planning to travel, we recommend carrying an alternate form of payment and ensuring we have your current cell phone number so our 24-hour fraud monitoring service can quickly reach you if any suspicious activity is detected.

You can apply for a loan by visiting a Fort Bragg FCU branch, calling us, or submitting an application online. For more information and to see the available application options based on the type of loan you are requesting, click here.

Yes, Fort Bragg Federal Credit Union offers a variety of mortgage options to meet the needs of its members. These include VA loans for eligible veterans and active-duty service members, FHA loans for first-time homebuyers or those with lower credit scores, USDA loans for eligible rural properties, conventional loans with competitive rates, and 10-year fixed-rate mortgages for members looking to build equity faster. Click here to learn more about our mortgages.

You can apply and get pre-approved for a loan by visiting a Fort Bragg FCU branch, calling us, or submitting an application online. For more information and to see the available application options based on the type of loan you are requesting, click here.

Fort Bragg Federal Credit Union (FBFCU) offers a variety of convenient loan payment options to fit your needs. For fee-free payments, we recommend setting up recurring automatic payments or transferring funds through online banking. If you prefer to pay in person, you can visit any FBFCU branch or a CO-OP Shared Branch location; however, please note that mortgage payments serviced by CUMA are not accepted at CO-OP branches. You can also mail your payment to:

Fort Bragg Federal Credit Union
4020 Bastogne Drive
Fort Bragg, NC 28307

Other payment options that may include a fee are available through our Online Payment Center and include Pay by Text, web-based payments, and debit card payments by phone.

No. The credit bureau does not allow us to give out copies of the report. However, you can request a free copy of your credit report by visiting AnnualCreditReport.com. FBFCU members with a Secure Checking account have access to free credit reports and credit report monitoring through the Secure Checking portal.

Yes, Fort Bragg Federal Credit Union (FBFCU) offers business loans, including financing for commercial real estate (such as offices, churches, shopping centers, and medical buildings), equipment loans to support business operations, and business vehicle loans for company transportation needs. These options are designed to help members grow and manage their businesses with flexible financing solutions. Click here to learn more.

No, we do not currently offer business deposit accounts.

You can update your address by visiting any of our branch locations, or by calling us. Please click here to view our full list of branch locations and hours. For your security, please avoid sending account numbers, Social Security numbers, or any other sensitive information by email.

U.S. Savings Bonds are now paperless! Paper savings bonds can no longer be purchased through financial institutions or mail-in orders. You can buy electronic savings bonds safely, 24/7, through TreasuryDirect. If you are currently holding paper savings bonds, you can continue to redeem them at financial institutions including Fort Bragg Federal Credit Union.

No, we do not exchange foreign currency.

Yes, all Fort Bragg Federal Credit Union branches offer free notary and signature guarantee services exclusively for our members.

Your money is insured by the National Credit Union Administration (NCUA), an independent agency of the United States Government. Your savings is federally insured up to $250,000 and backed by the full faith and credit of the United States Government. Click here to learn more.

No, we do not offer travelers checks or money orders. Traveler’s checks can still be obtained from some financial institutions and companies like Visa® or AAA, though availability is limited. Money orders are widely available at post offices, big-box stores, supermarkets, and services like Western Union or MoneyGram.

Yes, click here to view open positions and learn more.

A credit union is a not-for-profit, member-owned financial cooperative that exists to serve people rather than make a profit. Unlike banks, credit unions return earnings to their members in the form of higher savings rates, lower loan rates, and fewer fees. They are governed by a volunteer Board of Directors elected by the membership, ensuring every member has an equal voice—one member, one vote—regardless of how much money they have on deposit. This democratic structure means members directly influence the direction and policies of the credit union, including dividend and loan rates. Guided by the philosophy of “people helping people,” credit unions strive to serve all members fairly while also giving back to their communities through charitable contributions. In short, credit unions provide a safe and convenient place to save and borrow, with the goal of benefiting members and strengthening the communities they serve.

To track and redeem your my$pend points, log in to FBFCU's online banking platform. After logging in, click on the "my$pend" button to access the rewards catalog, where you can browse and select from a wide range of redemption options, including merchandise, travel, gift cards, and more.

If you prefer, you can also check your points balance or redeem rewards by calling the my$pend Rewards Center at 1-866-265-8731. When doing so, be prepared to provide specific details about the reward you're interested in, such as the brand, name, item number, and any applicable size or color preferences, to ensure accurate processing of your request.

Yes, Safe Deposit Boxes are available at our Hefner Drive and Raeford Road branches. We offer a range of sizes, from small (3” x 5”) to extra-large (10” x 10”), so you can choose the box that best fits your needs here.

Yes, you can split your payroll deposit between multiple accounts. To do so, complete the Payroll Distribution Form, then submit it electronically or print it and bring it to a branch.

Generally, a person can apply for a loan after turning 18. For credit cards, applicants under 21 must show independent income.

Fort Bragg Federal Credit Union (FBFCU) members are automatically enrolled in the my$pend Rewards program upon approval of a FBFCU Visa® credit card. Once your card is activated, you can start earning 1 point for every $1 spent on eligible purchases. Click here to learn more about my$pend.

Yes, Fort Bragg Federal Credit Union offers wire services. To use them, members must first have a signed Wire Transfer Agreement on file. You can complete, electronically sign, and submit the agreement form by clicking here. To request an outgoing domestic wire transfer, please visit a branch location or call us directly. For same-day processing, requests must be received by 4:00 p.m. on business days. Incoming wires are free, while outgoing wires are subject to fees. To learn more about wire transfers, click here.

To place a stop payment on a check, you can [click here to access the Stop Payment Form, then fill it out and submit it electronically or print it and bring it to a branch. You may also call us and provide the necessary details. A $29 fee applies to each stop payment request.

For the latest contribution and income limits, visit the IRS website.

No. The amount you contribute to your 401(k) or other employer-sponsored plans will not be affected by your Roth IRA.

Yes, you can maintain both types of IRAs at the same time. You can even make contributions to both types of IRAs in the same year. But your contributions to both Roth and traditional IRAs cannot exceed the maximum contribution limit for all IRAs.

A Roth IRA is an individual retirement account created by the Taxpayer Relief Act of 1997. Roth IRA accounts are traditionally used as retirement savings accounts. They allow limited contributions to be made throughout the tax year and can be withdrawn within 5 years after establishing the account provided you are aged 59 1/2 or older. Click here to learn more.

Yes, you will earn interest on the funds that are on deposit at the credit union in your Roth IRA. Click here to learn more about Roth IRAs.

Those who work for a living can contribute to a Roth IRA account. The income must be derived from actual work efforts and compensation in the form of wages, tips, salaries, bonuses and professional fees. Click here to learn more.

Yes. To rollover your 401(k) to an IRA, please contact Member Services.

If your wallet has been lost or stolen, take the following actions:

• Contact FBFCU right away to report your lost or stolen debit and credit cards, and to help protect your accounts from unauthorized access.
• Call the three major credit reporting agencies (Equifax: 1-800-525-6285, Experian: 1-888-397-3742 and Trans Union: 1-800-680-7289) and ask them to immediately place a Fraud Alert on your name and Social Security number. The alert means any company that checks your credit knows your information was stolen and they have to contact you by phone to authorize new credit.
• Notify the SSN national fraud hotline at 1-800-269-0271.
• Cancel your credit cards. Include the numbers for Visa® and MasterCard customer service.
• File a police report the same day, if at all possible, in the jurisdiction where your wallet was stolen.

If you feel you have been a victim of identity theft, contact the FTC’s Identity Theft Hotline toll-free at 1-877-IDTHEFT (438-4338); by mail: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580; or online. You should also notify Fort Bragg Federal Credit Union immediately to protect your accounts and receive assistance.

Secure checking accounts with built-in identity theft protection offer an added layer of defense. Stay vigilant, review your statements regularly, and act quickly if anything seems off.

Phishing is an email scam where fraudsters pretend to be legitimate businesses to trick you into revealing personal information, like passwords, Social Security numbers, or account details. These emails often link to fake websites designed to steal your data. Fort Bragg Federal Credit Union will never ask for personal or financial information unless you initiate the contact. Do not respond to unsolicited requests via email, phone, text, or mail. For more, visit our Fraud and Security page.

Vishing is a phone scam where fraudsters impersonate legitimate businesses to trick you into revealing personal or financial information for identity theft. Fort Bragg Federal Credit Union will never request sensitive information unless you initiate the contact. Do not respond to unsolicited requests via phone, email, text, or mail. For more, visit our Fraud and Security page.