What can I do if I don't recognize a transaction? Or if there is an unauthorized transaction on my account?
Contact STCU for help identifying the transaction or to block your card. To dispute a transaction, you must notify STCU within 60 days of the statement date.
Is there a limit to the number of transactions I can perform from my savings accounts?
No, if your transactions are done in person. But yes, if you utilize transactions such as online and telephone banking, or check.
Federal Regulation D requires all financial institutions to limit the number of excess transactions not done in person from a savings account or money market account to a maximum of six (6) per month. To encourage you to follow the law, we charge a fee for each transaction that exceeds the maximum. Keep in mind:
- You should make no more than six (6) excess transactions per month not done in person from your savings or money market accounts. A fee will be assessed for each transaction you make over the limit.
- An excess transaction typically is one done remotely, as a transfer or payment, using online banking or telephone banking, an ACH electronic transfer, a request by telephone, a request by fax, or an overdraft transfer to your checking account.
Here are the types of transactions that do not count as excess, or "remote," and will, therefore, avoid the risk of Reg D fees. Perform as many of the following transactions as you like each month from your savings or money market account:
- Transfers and withdrawals made at ATMs (where available).
- Transfers and withdrawals made in person at branch locations.
- Transfers and withdrawals made in writing through the mail.
- Transfers to STCU to make your loan or credit card payments.
- Checks issued by phone and made payable to you.
- Any deposits into your STCU savings or money market accounts.
What if I need to make deposits or access my accounts after business hours?
Keeping in mind the Reg D restrictions on excess transactions, as described above, you may:
Why isn’t my deposit showing in my account?
Funds directly deposited into your account from the Social Security Administration, your pension fund, or from your employer's payroll department are typically submitted to us on the same day each month, and are posted as soon as they are received electronically.
If your deposit arrived on a particular date last month, allow at least 24 hours (or one business day) beyond that date this month for the funds to be posted. If your deposit is still missing, call us at (509) 326-1954 or toll-free at (800) 858-3750.
Deposits made at an ATM. Your deposits at an ATM are subject to a hold of two to five business days. Your account balance will reflect the ATM deposit; however, the available amount may be less due to the held funds. Please consult the Funds Availability Policy for details.
Deposits made with a teller. If you had a teller handle your deposit, but the funds have not yet posted to your account, call us at (509) 326-1954 or toll-free at (800) 858-3750.
Mobile deposits. In general, deposits made through the STCU mobile app before 4 p.m. Pacific on open business days will be processed later the same day. Deposits made after 4 p.m. Pacific, or on nonbusiness days, will be processed the following business day. The first $500 will be available by 4 p.m. of the same or following business day; the remaining amount will be available two business days following the day the deposit is processed.
Please note: STCU always makes the first $500 of any check deposit ($500 for mobile deposits) immediately available to you, and in most cases, the entire deposit. However, some deposits may be restricted and not immediately available. The full amount of your deposit will show up in the current balance of your account, but only part of the deposit may be reflected in the "available balance" amount. In such cases, STCU may be holding the deposit while we verify funds. Consult the Funds Availability Policy for more details.
How can I find out if a check I've written has cleared my account? How can I view cleared checks?
Click on the "Online banking" button at the top of this page to log into your online banking account to search for cleared checks:
- From the "Accounts" page, click the account you want to search for cleared checks.
- Click the "filter" funnel button next to the search box and enter the check number in the applicable field to search for a specific check. To search for several checks, select the "Range" check box, then click the "Search" button.
To obtain copies of checks cleared within the last two years:
- Log on to STCU's online banking.
- Click on the account from which the check cleared.
- Locate the check in the list of transactions. (Search for transactions by using the "Filter" button next to the transaction search box. Open the advanced search options to search by a single check number or a range of check numbers).
- Click on the check transaction to view a copy of the check (use the "Front" and "Back" buttons to view the check images).
If you need copies of checks that cleared more than two years ago, contact us by phone or chat. (Research fees of $25 per hour, with a $5 minimum, may apply).
Why is the APYE shown on my statement different from the APY shown in STCU's ads?
There are two reasons that an annual percentage yield earned (APYE) might not match the advertised annual percentage yield (APY):
- During the month, you may have crossed from one rate tier to another, where some days you earned one rate and other days earned another. Your APYE for that month will reflect the "blending" of these two rates.
- You have an STCU First5 or other account, where part of the balance earns one rate and the other part of the balance earns another rate. Your APYE will reflect the "blending" of these two rates.
Is there a way to boost my overall APYE?
Most likely! First, maximize your earnings by saving as much as allowed to earn the higher, advertised APY. For example, always keep $500 in your STCU First5 Savings Account to earn the high, advertised rate. Second, consider transferring funds not earning the highest rate to another STCU savings account that may pay you more for those higher balances. When your First5 balance reaches $2,500, you might earn more (consult our rates) on the higher balance by transferring it to an STCU Money Market Account or Certificate. This could boost your APYE, generating a better overall rate of return.