Consent must be given to us to begin or discontinue the service and can be authorized by any account owner. VISA Check Card Round Up is available only on a debit card linked to your ORNL Credit Union Spending Account. MegaDropdown_Personal_deposits Spending Straightforward accounts that pack a punch... learn more. No cross-account transfers are permitted. Good credit opens doors. Also, please know that VISA has specific guidelines in place for Russia, Bulgaria, Ukraine and Romania. Manage your money. This is what you have been waiting for... Make a deposit. Good credit opens doors. Recent News. Open Account. Pay for online purchases with a click of your mouse—Visa Checkout takes the hassle out of online shopping. Federally insured by NCUA Give us a call today to activate Overdraft Protection on your account: 800.676.5328! Every dinner out, cup of coffee, and tank of gas adds up to more savings. By automatically transferring funds from a designated source into your ​Spending Account, you’ll never have to worry about returned check fees or knowing if you have enough in your account. Our community Credit Union provides financial services to anyone who lives, works, worships, or attends school within the 19 counties we serve in East Tennessee. A home is more than just four walls and a mortgage loan... We all have different wants and needs. No round up transfer will occur on any day should your spending account not have sufficient available funds for the transfer. Our community Credit Union provides financial services to anyone who lives, works, worships, or attends school within the 19 counties we serve in East Tennessee. The more you save, the more sunny days you’ll have... Start saving and learning financial responsibility... Special perks for members 60 and older... Access your accounts from anywhere, 24/7... Simplified in-store and online payments with your device…. Talk to us... Be prepared for the unforeseen events of life... We can help you build an investment strategy or help guide your current one. No gimmicks, no undisclosed fees. Protect your cards and accounts from fraud, Get smart with some sound financial advice, Helpful tools for smart spending and saving. *Signature and PIN purchases qualify. Learn more. To use this site, first enable your browser's JavaScript support and then refresh this page. The 175,000+ members of ORNL FCU account for over $2.6 billion in assets. For this purchase the round up portion would be 27₵. The Rates & Fees Schedule also sets out terms of your accounts and is hereby incorporated by reference as if fully set forth herein. Pay for online purchases with a click of your mouse—Visa Checkout takes the hassle out of online shopping. At the end of the day the 27₵ will be transferred from your Spending Account to the savings account you chose when you enrolled into VISA Check Card Round Up. Update your account today by calling Every time you use your check card the transaction will be rounded up to the nearest dollar. If on a business day you do not have sufficient available funds in your Spending Account, or if any transaction has overdrawn your Spending Account, we do not round up purchases posted on that business day and we cancel the VISA Check Card Round Up transfer for that day. Enroll your ORNL FCU Debit or Credit Card today. Please note that there is a fee assessed for each transfer. At the end of each business day, the accumulated amount from each of the transactions will be transferred from your Spending Account into your designated savings account as a single transaction. $25 to open. AVAILABILITY: The service is available on consumer accounts only. Our VISA Platinum Credit Card features: no monthly fees; no balance transfer fees; no cash advance fees; and EMV protection. ATM withdrawals do not qualify. Bad credit closes them. FAQS. ORNL FCU will round up the amount of any VISA Check Card purchase made by you or a joint owner of your Spending Account to the next whole dollar amount, and transfer the amount in excess of the purchase price from your Spending Account to your savings account. Talk about convenience! $25 to open. Bill Pay. If you have multiple debit cards on an account, all card activity will be treated the same. Credit tips are everywhere, but the simplest advice is often the most usable advice. No gimmicks, no undisclosed fees. The Spending account is available to meet your basic needs to deposit, withdraw, and transfer funds. Please call. Simply call or stop by any branch to sign up today! Plus, when you enroll in our Round Up program, we'll automatically round up all your ORNL FCU debit card purchases to the nearest dollar and transfer them to the ORNL FCU savings account of your choice. "What if I don't use Bill Pay?" Talk to us... Be prepared for the unforeseen events of life... We can help you build an investment strategy or help guide your current one. Business and other nonhuman  accounts  are  not  eligible. Please be aware, there are counterfeit Gerber FCU checks circulating. to the right. We are not responsible for any non-sufficient funds (NSF) fees that may result from outstanding items that post to the spending account after the daily Round Up transfer occurs. TODAY'S RATES . To submit a travel notice, please log into Online or Mobile Banking or visit your nearest branch. You must be 18 years of age or older and have an ORNL FCU ​Spending Account with a debit card and a savings account (Membership Account, Plan Ahead Savings, or Money Market Account). Equal Housing Lender, Truth in Savings Disclosures and Rates & Fees Schedule. You deduct the “rounded up” transaction in your check register to reconcile. Equal Housing Lender, Have you lost or had your card stolen? Support 866.820.3758 Activate** 800.527.7728 Change PIN 888.886.0083 Report Lost / Stolen 800.449.7728 **Activation call must be made from phone number on file. This is what you have been waiting for... Make a deposit. If you are planning any travels within the U.S. or overseas, please submit a travel notice to avoid any interruption in debit or credit card usage due to security precautions. Cancellation or reversal of a VISA Check Card transaction will result in the corresponding round up transfer remaining in the savings account. ORNL FCU will aggregate the round-up from VISA Check Card (debit card) purchases that post to your Spending Account each business day and make a single transfer (the “Round Up” transfer) at the end of the business day. $700 minimum daily balance to avoid a $7 per month service charge. No minimum balance. and other questions are answered in the FAQs. No gimmicks, no undisclosed fees. Pay for online purchases with a click of your mouse—Visa Checkout takes the hassle out of online shopping. The 175,000+ members of ORNL FCU account for over $2.6 billion in assets. CALCULATOR . Youth Start saving and … Truth in Savings Disclosures and Rates & Fees Schedule. Bad credit closes them. If you have received a Gerber FCU Cashier's check and would like to verify its authenticity, please call Member Service at (231) 924-4880 and choose option 2. Competitive financing for smart car buying... Easy options for a loan, credit card, or mortgage payment... With a Personal Loan you’ll have easy access to cash for all your purchases and expenses. We have the products and the people to help ensure you're ready for the future and whatever life throws your way. Also, the round up transfer will only happen if you have extra funds at the end of the day; the round up transfer will never overdraw your account. TRANSFER CALCULATION: The daily Round Up transfer is an aggregate of purchase activity made by all VISA Check Cards related to your spending account. Bad credit closes them. ORNL Federal Credit Union ROUTING NUMBER: 264281416. Good credit opens doors. The more you save, the more sunny days you’ll have... Start saving and learning financial responsibility... Special perks for members 60 and older... Access your accounts from anywhere, 24/7... Simplified in-store and online payments with your device…. Or check the status? Talk to us... Be prepared for the unforeseen events of life... We can help you build an investment strategy or help guide your current one. VIEW PENDING APPLICATION. Check your balance. Protect your cards and accounts from fraud, Get smart with some sound financial advice, Helpful tools for smart spending and saving. Every dinner out, cup of coffee, and tank of gas adds up to more savings. Home Equity Line of Credit. Double check the account number to make sure your money goes into your account. Manage your money. ACCOUNT TRANSFERS: The Round Up transfer can only be made to a savings, plan ahead savings, or money market accounts. What could be easier? Run the numbers for your new home purchase or loan refinance. AUTHORIZATION: Opting in to the Round Up service authorizes us to "round up" the amount of any debit card purchase made by you or a joint owner of your spending account to the next whole dollar amount and transfer the amount in excess of the purchase price from your spending account to your savings account. Credit tips are everywhere, but the simplest advice is often the most usable advice. Always keep track of your share draft accounts to avoid any possible non-sufficient funds (NSF) fees. This is what you have been waiting for... Make a deposit. Savings The more you save, the more sunny days you’ll have... learn more. Our VISA Check Card looks like a credit card and works like a check. Our VISA Check Card looks like a credit card and works like a check. Direct deposit within 35 days of statement date. Pay for online purchases with a click of your mouse—Visa Checkout takes the hassle out of online shopping. Competitive financing for smart car buying... Easy options for a loan, credit card, or mortgage payment... With a Personal Loan you’ll have easy access to cash for all your purchases and expenses. To get a cashier's check, you'll have to request one from your bank or a credit union either online or in person at a brick-and-mortar location. No monthly fee. Manage your money. Transaction Inquiry 877.739.1385 See today's rates for our mortgage products. Ready to get started with your new project? We are pleased to announce that most branch lobbies are now open. EXAMPLE: If you go to Target and spend $94.73 and pay with your VISA Check Card, the transaction that posts to your Spending Account will be exactly $94.73, not $95.00. There is no cost to enroll. When you deposit a check into your account, your bank generally is required by law to make the funds available within a specific period of time (usually, one business day for a cashier’s check or other official instrument).This is true even if the check has not yet cleared through the banking system.