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About CSE

FAQs

CSE Federal Credit Union looks forward to assisting you and answering your questions; however, some of our most frequently asked questions are answered here for your information!

Please select the subject matter to view questions and answers.

 ​General

Q: What is CSE's Routing Number?

CSE's Routing number is 241274459.

 


Q: Are my deposits insured?

  • Your savings accounts are insured up to $250,000.00 and IRA accounts are also insured up to $250,000.00 by the National Credit Union Administration (NCUA). NCUA is an agency of the federal government.
  • CSE also provides an additional $250,000.00 of insurance through Excess Share Insurance at no additional cost to the member.
  • That means that your funds at CSE are insured for at least $500,000.00 per account.

 


 

Q: Who regulates credit unions?

The National Credit Union Administration (NCUA) regulates federally-chartered credit unions like CSE.  Credit Unions are subject to much of the same consumer regulations as other financial institutions. In some cases, such as investments and mortgage lending, credit unions must adhere to more strict regulations.

 


 

Q: Why do I need a savings account? I just wanted a loan.

Your savings account establishes your membership with the Credit Union. Once your savings account is opened, you may apply for any other service or loan product we have to offer.

 


 

Q: How do I change my address?

  • To change your address you would either need to submit a letter by mail or stop in at any branch. 
  • If you were going to mail the address change you would need to provide your name, account number, new and old address, and please include the date and your signature.  Please send the request for your address change to:

CSE Federal Credit Union
1380 Market Ave. N
Canton, OH 44714

 


 

Q: What is the difference between my balance and my available balance?

All of our members maintain a share in the credit union of $5.00. This stays in your savings throughout the life of your account. The balance represents the amount in your account including shares and check holds. The available balance is the actual amount that you may withdraw from your account.

 


 

Q: Where do I send a loan payoff?

  • Payoffs can be completed at any branch or mailed to:

CSE Federal Credit Union
1380 Market Ave N
Canton, OH 44714

 


 

Q: Where can I get a free credit report?

AnnualCreditReport.com is a centralized service for consumers to request free annual credit reports. It was created by the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion.

 

 ​Courtesy Pay

Q: What is Courtesy Pay?

Courtesy Pay is a non-contractual overdraft protection service that we offer to our members with eligible share draft (checking) accounts. As long as you maintain your account in good standing, we may cover non-sufficient fund items up to your approved limit of $400. We will charge our standard overdraft fee of $25. You are then required to bring your account to a positive balance for at least one full business day within the next 30 calendar days.

 


 

Q: What is the difference between Overdraft Protection and Courtesy Pay?

Overdraft Protection:
CSE transfers funds from a linked savings account to cover transactions that make your checking account negative.

Courtesy Pay:
If there is not enough in a linked savings account to cover a negative transaction, CSE may cover transactions up to your $400 limit, including the standard $25 overdraft fee.

 


 

Q: How can I receive Courtesy Pay for ATM withdrawals and Debit Card purchases?

In order to receive Courtesy Pay for Debit Card transactions, simply let us know that you want to Opt-In to Courtesy Pay for your debit card. There are no applications or credit checks, and you can Opt-Out at any time by contacting us.

Opt-In to Courtesy Pay for ATM and Debit Card transactions

 


 

Q: If I use my Courtesy Pay, how long do I have to bring my account into balance?

It is best to bring your account to a positive balance as soon as possible. In order to keep your CSE account in good standing, you have 30 days to pay any overdraft and associated fees.

Depending on the situation, we can ask for repayment at any time. Any deposit made automatically or by you will first be applied to any overdrawn balance and associated fees.

 


 

Q: Is there a cost for Courtesy Pay?

There are no fees to have Courtesy Pay available on your account. If you use Courtesy Pay you will be charged our standard overdraft fee of $25 for each non-sufficient item as described in our Courtesy Pay Policy. The charges associated with Courtesy Pay are also in our Schedule of Fees.

 

Members may also request to 'Opt-Out' of Courtesy Pay at any time. Simply stop by an office or call 330-452-9801 and request that Courtesy Pay be removed.

 


 

**Learn more about Courtesy Pay.
"What You Need to Know About Overdrafts and Overdraft Fees"

 


 

 ​Draft Protection

Q: What is Draft Protection on my Checking account?

  • Draft protection transfers funds from another account at CSE to cover debits that would have taken your Share Draft account negative. The accounts that can be setup to transfer funds out of are Regular Share and any other “Special Savings” accounts.
  • Club Accounts and Share Draft Accounts cannot be used as Draft Protection Accounts
  • Regular Share Accounts are not able to have the Draft Protection
  • There is no fee if the funds are transferred by the system
  • This is not the same as Courtesy Pay

 


 

 ​Debit Cards

Q: Can I have a debit/ATM card if I have a savings account?

Unfortunately no, you would need to open a checking account to receive a Debit Master Card. Another option is to get a CSE Reloadable Debit Card that you can load, use, reload and reuse as often as you would like.

 


 

Q: What is the daily limit for purchases and withdraws on my Debit MasterCard?

There is a security limit of $2,500.00 on purchases and an ATM withdrawal limit of $400.

 


 

Q: What is the ATM Hold policy?

Deposits made through the ATM may have a hold on them of up to 3 days.

 


 

Q: Are there fees for using my Debit MasterCard to make a withdrawal?

If you are using a CSE Federal Credit Union ATM, a CO-OP Network ATM or an Alliance One Network ATM there are no ATM Surcharge Fees. For any non-CSEFCU, Non- CO-OP Network ATM or Non-Alliance One Network ATM there is a $0.50 fee charged by CSE, plus any additional fees that the ATM owner may charge.

 


 

Q: Are there fees for using my Debit MasterCard to make a purchase?

There is no fee from the Credit Union to do any purchase. 

 


 

Q: If I am traveling, should I contact CSE if I plan to use my debit card?

It is always a good idea to let CSE know if you plan to use your debit card while traveling to another state or country. This helps us determine if a charge looks fraudulent.

 


 

Q: When will my renewal card come in the mail?

Your Debit MasterCard is valid through the end of the month of the expiration date, but you should receive the new card within the first 14 days of the month it expires in. If you have not received the card by the 15th it would be a good idea to contact the Credit Union.

 


 

Q: What happens if my card is kept by an ATM?

If it is at one of the CSE branches, you may go inside and we will be able to return the card to you. If it is at another financial institution, you will more than likely have to have the card deactivated and a new card issued.

 


 

Q: I received a call about fraud on my Debit MasterCard.

  • You may receive a call if a transaction is believed to be fraudulent from the Credit Union Fraud Monitoring Department.
  • Please note: CSE will never ask you for personal information over the phone on a call initiated by us; we already have it. Never give out personal information over the phone unless you initiated the call and know and trust who is on the other end.

 


 

Q: How can I change my PIN for my Debit MasterCard?

You are able to change the PIN by calling 1-866-985-2273

 


 

Q: How can I dispute a transaction?

Please contact the Credit Union at 330-452-9801.

 


 

Q: How can I report my CSE Debit Card lost or stolen?

Please call as soon as possible at 330-452-9801 or 1-800-523-4175

 

 ​Visa

Q: How long after my card is ordered does it take to come in the mail?

Our CSE Visa credit card usually takes 7 to 10 business days to arrive by mail.

 


 

Q: How do I activate my new Visa?

To activate your CSE Visa, please call 866-985-2273.

 


 

Q: What determines the rate of interest on a CSE Visa credit card?

The fixed rate is determined by your credit score.

 


 

Q: When are payments due?

Your Visa payment is due on the 16th of each month. If the 16th is on a weekend or holiday, it would be due on the following business day.

 


 

Q: How can I make a Visa credit card payment?

  • You can make a payment at any branch, using e.branch, the CSE Visa website, or by calling CSE at 330-452-9801.
  • Payments can be mailed to:
    • CSE Federal Credit Union
      1380 Market Ave N
      Canton, OH 44714

Q: How can I access my CSE Visa credit card online?

  • MyCardInfo will allow you to view your balance and statements.
  • You can also access MyCardInfo from within e.Branch (click the Access link next to your card). 

 

 ​CSE's Fee Schedule

Effective as of July 1, 2016

Draft Transaction Charges:  
Share Draft Printing prices vary depending on selection  
Check Copy Fee $1.50
Share Draft Account Balancing (per hour) $10.00
Account Research Fee (per hour) $10.00
Stop Payment Fee (share draft or ACH) $25.00
Counter Checks (per sheet of 4 checks) $5.00
   
NSF Transaction Charges:  
Overdraft Privilege Fee (per incident) $25.00
NSF Return Fee - Share Draft & ACH $25.00
   
ATM Transaction Charges: (per transaction)  
There are no per transaction charges for members using the CSEFCU ATM/Debit MasterCard in a CSEFCU ATM, CO-OP ATM, or Alliance One Network ATMs
At non-CSEFCU / Non-CO-OP / Non-Alliance One ATM machines
(fees for deposit, withdrawal, transfer or inquiry)
$.50
ATM Overdraft Fee $25.00
Debit MasterCard EMV Card Replacement Fee $10.00
   
Visa Charges:  
Visa Monthly Late Fee $25.00
Copy of Visa Statement $5.00
Visa Replacement EMV Card Fee $10.00
Add Authorized User $15.00
   
Loan Charges:  
Loan Late Fee $25.00
Satisfaction of Mortgage $32.00
Loan Filing Fees Vary
   
Miscellaneous Charges:  
Domestic Wires (Outgoing) $20.00
International Wires (Outgoing) $50.00
Official Check Fee (one free per day, then) $2.00
Money Order Fee $.50
Stop Payment Fee - Official Check / Money Order $25.00
Void Official Check / Money Order $10.00
Converting an ON-US to Corp Check $25.00
Returned Deposit Item Fee $25.00
Statement Reprint Fee $2.00
Dormant Account Fee (monthly) $5.00
Reopen Account Fee $25.00
Undeliverable Mail $5.00 per item
Visa Gift Card $2.95
Pre-Paid Debit Card $2.95
Canadian / Foreign Deposit Item Cost(currently $25.00)
Early Account Closure (within 180 days) $5.00
ACH Origination Changes $5.00
Rush Fee – Debit / Credit Card $30.00
Garnishment/Levy/Subpoena $25.00
Escheat Fee $50.00

 


We’re Here to HelpConvenient Locations Throughout Stark County

Come Visit Us

 
Monday - Friday: 8am - 6pm
Saturday: 9am - 3pm
 
Canton Office/Operations 1380 Market Ave N
Canton, OH 44714
North Canton Branch 6879 Whipple Ave NW
North Canton, Ohio 44720
Lake Cable Branch 5414 Fulton Dr NW
Canton, Ohio 44718
Meyers Lake Branch 1235 Whipple Ave NW
Canton, Ohio 44708

Or Give Us a Call

 
Phone: 330-452-9801
Toll Free: 866-CSEFCU1
TellerPhone 24: 330-452-9802

Contact Us Today