Let us help you! Call us at 330-452-9801 Call Us
eBRANCH Login Bank on your time

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: 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.

 

 ​Overdraft Protection

Q: How do you qualify for Overdraft Protection?

  • Checking Account has been open for 90 days
  • $400.00 or more being deposited for last 3 consecutive months
  • All Credit Union accounts are in good standing
  • Accounts that do not qualify for ODP are Business, Trust and Payee Accounts
  • Overdraft can be limited to one account per household

**Please see guidelines for Overdraft Protection.

 


 

Q: Can Overdraft Protection be removed?

  • Yes. Overdraft Protection is a privilege that may be removed for the following reasons:
    • Deposits stop posting to account
    • Account being negative for 30 days or not staying positive for 24 hours
    • Debits being returned as NSF
    • Account going over ODP limit
    • Member files bankruptcy
    • Accounts not in good standing (i.e.. past due loans, Visa, or other collection issues)

 


 

 ​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 Overdraft Protection

 


 

 ​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 loan, 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 $2,000.00 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 up to 3 days.

 


 

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

If you are using a CSE Federal Credit Union ATM or an Alliance One Network ATM there are no ATM Surcharge Fees. For any non-CSEFCU 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 do a purchase?

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

 


 

Q: If I am traveling, should I contact you 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.
  • If you have not used the service before click Enroll Now! to create your account. 

 


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