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Frequently Asked Questions

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How can I join?

Here are two ways you can join our Christian Community Credit Union family:

1) Through your church or ministry

2) Through your family

Learn more▸

What's the difference between a bank and a credit union?

Credit unions are not-for-profit institutions that provide financial services. Unlike banks, credit unions are owned by the people they serve. Banks are profit-driven and owned by their shareholders. Learn more ▸

Why do I have to belong to certain denominations to join the credit union?

Credit unions serve individuals within a field of membership which each credit union determines for itself. Some credit unions use fields of membership that depend on location, employer, or type of work the member engages in. We define our field of membership as Christians who belong to or are affiliated with certain Protestant Christian ministries, churches, and schools. Relatives of current members (including in-laws) are also eligible for membership. For a  list of churches, ministries, and schools that are in our field of membership, please visit This is not an exhaustive list; if you have any questions, please call the Credit Union at 800.347.CCCU (2228) or email us at [email protected]

Personal Accounts

Can I access my account anywhere in the United States?

Yes, you can! Christian Community Credit Union is part of the CO-OP Network, which means you have more access to your money than just about any bank, anywhere.

The CO-OP Network includes:

  • CO-OP ATM – Nearly 30,000 Surcharge-Free ATMS
  • CO-OP Shared Branch – Over 5,600 Branches Nationwide

Find a Location Near You▸

How can I get free checking?

There are five ways to get free checking:

  1. Switch to Christian Community Credit Union.
  2. Open a Free Checking account which has no monthly fee.
  3. Receive a Checking Plus account free for every month you have a direct deposit set up automatically into your account.
  4. Show your school spirit! High school and college students ages 17-24 get Student Checking free.
  5. Maintain a minimum daily balance of $1500 in your Checking Plus account to waive the monthly service fee.

How can I make deposits into my credit union savings or checking account?

There are several convenient ways to make deposits to your Christian Community Credit Union account:
Mobile Deposit
You can deposit checks fast with your mobile device using our Mobile Banking Apps.

Learn more▸

Deposits can be mailed to:
Christian Community Credit Union
PO Box 3012 Covina CA 91722
ATM/CUService Center
You can make deposits at select ATMs through the CO-OP network and CUService centers. Please note that not all ATMs in the CO-OP network accept deposits.
Direct Deposit
Deposits can be made electronically through direct deposit of payroll, Social Security, and pension.

Sign up for Direct Deposit▸

How do I get a (PIN) for access to Online Banking or CALL- 24?

Contact us at 800.347.CCCU (2228).

How do I order personal checks?

By Phone
Call Deluxe directly at 800.328.7205.
Call a CCCU Financial Services Representative at 800.347.CCCU (2228).
By Mail
Send in your reorder slip to Christian Community Credit Union.

Is it OK to get our checks printed from an outside company?

If you use an outside company, such as a direct mail marketer, then you accept full responsibility for the production, delivery, processing, and any potential information shared with third party suppliers.

The credit union agrees to use Deluxe to produce your check packages. Deluxe catalog will be the only check products provided under contract, to you. Deluxe stands behind all products with a 100% unconditional guarantee. Deluxe does not sell information to 3rd parties. In fact, we do not only meet, but exceed all GLB* requirements for consumer and data privacy.

*GLB refers to the Gramm Leach Bliley Privacy act, which dictates how much customer information financial institutions can share with third parties.

What ATMs can members of Christian Community Credit Union use?

Members can access nearly 30,000 FREE ATMs through our participation in the CO-OP Shared Branch & ATM network! Click below for more information on ATM locations.

ATM Information

What if I forget my Call-24 Personal Identification Number (PIN)?

A Member Service Representative can assist you in choosing a new one. Call us at 800.347.CCCU (2228) during normal business hours.

What is Christian Community Credit Union's routing number?


Who do I contact to report a lost or stolen credit card or Visa Debit Card?

Call 24-hour Cardholder Services at 800.449.7728.

Why do you charge interest if you are a Christian financial institution?

Believe it or not, this is a question that has occupied Christian thinkers for centuries.

Calvin defined the problem as not lending, but usury, in which predatory lenders prey upon the poor and charge high rates of interest. Historically, not all loans that bear interest have been considered usury or forbidden by the church.

For more information and in-depth analysis, we recommend reading the article by Kevin DeYoung on biblical attitudes towards lending.

Ministry Accounts

Can I receive my ministry's bank statements online?

Yes. Sign up for e-statements.

Can our ministry access our account(s) online?

Yes. You can register for Online Banking or Cash Management. Call The Ministry Development Group at 800.347.CCCU (2228) ext. 6216 or email us to discuss which option would be the best for your ministry.

Can we have our checks printed with our preferred business check supplier?

Yes. You may order checks with any third party supplier. Please make sure the financial institution information section is accurate and meets the credit union’s specifications. Call 800.347.CCCU (2228) to request a check specification sheet.

Do you offer a solution for churches to accept offerings, tithes, etc. online?

Yes. Christian Community Credit Union has customized solutions for ministries to make it possible for their members to give automatically from their checking or savings account and/or credit card. Call The Ministry Development Group at 800.347.CCCU (2228) ext. 6216 or email us to find out more about the different options available.

How can I make deposits into my ministry’s account(s)?

Choose the deposit program that is convenient for your organization:

In Person at:

Remote Deposit Capture
RDC is an innovative online deposit solution that allows you to make daily or routine deposits without ever leaving your place of ministry or office. Learn more▸

Bank by Mail
Deposits can be mailed to:
Christian Community Credit Union
PO Box 3012, Covina CA 91722

Click here for more deposit service options▸

How can I obtain a copy of a check that has cleared in our ministry’s account?

If your account is set up with Online Banking or Cash Management, click on the check number in the account history to retrieve the front and back image of the check. Only checks cleared within the past 90 days can be retrieved online.

For an image of older checks, call 800.347.CCCU (2228). If your ministry’s account is not set up with internet access, call 800.347.CCCU (2228) to request check copies.

How do I access ministry cash?

  • Withdraw up to $500 at affiliated credit unions in the Service Centers network. If you need to withdraw more than $500, we can make arrangements for you to receive the funds at a credit union near you.
  • Use a Visa Debit Card issued to your signers to withdraw up to $1,025 daily from an ATM.

How do I reorder checks?

By Phone
Call Deluxe Direct at 800.328.7205

By Mail
Send reorder coupon to Christian Community Credit Union


How do I reorder deposit tickets and endorsement stamp(s)?

Email your deposit ticket order request to [email protected]. Please include:

Ministry Name
City, State, Zip
Contact Person
Phone Number

Quantities of 150 will be ordered at a time. Deposit tickets may not be ordered through an outside vendor.

How do I report my ministry VISA Debit Card lost or stolen?

How do I send a wire request?

To manually request a wire transfer, mail a request on ministry letterhead with two authorized signatures to Christian Community Credit Union. Please include the following information:

Beneficiary bank name
Receiving bank ABA number
Beneficiary name
Beneficiary account number
Beneficiary address
Wire amount
Wire fee acknowledgement
Contact person name and phone number
Ministry account number
Authorized signatures

You can also initiate wires online. Call The Ministry Development Group at 800.347.CCCU (2228) ext. 6216 or email us to sign up for this service.

How do I set up my ministry account for Free Online Bill Payer?

Call The Ministry Development Group at 800.347.CCCU (2228) ext. 6216 or email us.

How do I set up overdraft protection for my ministry checking account?

Your Ministry Savings Account or Ministry Line of Credit can be set up as overdraft protection for your ministry’s checking account(s). If you do not have overdraft protection, call The Ministry Development Group at 800.347.CCCU (2228) ext. 6216 or email us to set it up.

How do we open an additional checking, savings, money market, and/or certificate?

Call The Ministry Development Group at 800.347.CCCU (2228) ext. 6216 or email us.

How do we request a VISA Debit Card?

Call The Ministry Development Group at 800.347.CCCU (2228) ext. 6216 or email us to request a VISA Debit Card application.

How do we update the signers on our ministry’s account(s)?

Call The Ministry Development Group at 800.347.CCCU (2228) ext. 6216 or email us.

How would our ministry reset our PIN for electronic banking?

Call The Ministry Development Group at 800.347.CCCU (2228), ext. 6216 or email us.

If I sign up for e-statements can I still receive paper statements in the mail?

No. Once you have signed up for e-statements, you will no longer receive paper statements in the mail.

Our church would like the ability to accept credit card payments. Is this a service Christian Community Credit Union offers?

Yes. Whether you are running a bookstore, café, camp, conference, or school, our vendor can provide the equipment and merchant account you need to accept and manage credit card processing.

Call The Ministry Development Group at 800.347.CCCU (2228) ext. 6216 or email us to get started.

What do I do if I am locked out of Cash Management?

If you are not the designated administrator, call your ministry’s designated administrator.

If you are the ministry’s designated administrator, call a Cash Management Specialist at 800.347.CCCU (2228) ext. 6173, 6181, 6267, or 6246.

What is CCCU's ABA number/routing number?


What is the minimum opening deposit for a Ministry Checking Account?


Business Accounts

How can we get free checking on our business account?

Keep an average balance of $1,500 in the account per month.

How do I get a PIN for Call 24 set up for my business account?

Contact Christian Community Credit Union at 800.347.CCCU (2228) ext. 6216.

How do I get Cash Management set up for my business account?

Contact Christian Community Credit Union at 800.347.CCCU (2228) ext. 6216 or email us.

How do we order our business checks?

Call Deluxe direct at 800.328.7205


Where can we make business deposits if we cannot get to Christian Community Credit Union?

Businesses can make regular deposits at one of our Affiliate Banking Locations set up at the time the account is opened. There will be special deposit tickets provided by Christian Community Credit Union to make the deposits.

Choose the deposit program that is convenient for your organization:

Through the Affiliate Deposit Program

Make deposits at a local deposit affiliate. Call The Ministry Development Group at 800.347.CCCU (2228) ext. 6216 or email us to find out more about this service.

Deposit access locations

In Person

At CU Service Centers® and other Network locations

At Christian Community Credit Union:
255 N. Lone Hill Ave. San Dimas, CA 91773
101 S. Barranca Ave. Covina, CA 91723

Bank by Mail

Deposits can be mailed to:
Christian Community Credit Union
PO Box 3012
Covina CA 91722

Apple Pay / Google Pay / Samsung Pay

Are my purchases protected under zero liability?

Yes. Whether you use Apple Pay, Google Pay, Samsung Pay, or a physical card, you are protected under zero liability against fraudulent transactions.

Can I use Apple Pay to make contactless payments internationally?

Yes. Apple Pay has been designed to enable contactless payments internationally.

How do I add my card to Apple Pay?

Adding your card to Apple Pay is quick and easy.

1. Open Wallet on your iPhone, iPad, Apple Watch, or Mac.

2. Select “add credit or debit card.”

3. Select the camera icon next to the field labeled “Card Number.” This will allow you to take a photo of your card. Next, enter the security code found on the back of your card and fill in any remaining fields.

How do I add my card to Google Pay?

Adding your card to Google Pay is quick and easy.

1. Open the app on your Android phone or tablet.

2. Select “+” to add a card.

3. Align your card to fit inside the frame to take a picture or select “Add manually.” Next, enter the security code found on the back of your card and fill in any remaining fields.

How do I add my card to Samsung Pay?

Adding your card to Samsung Pay is quick and easy.

1. Open the app on your Samsung device.

2. Select “add”.

3. Align your card to fit inside the frame to take a picture or select “Enter card manually.” Next, enter the security code found on the back of your card and fill in any remaining fields.

How secure are Apple Pay, Google Pay, and Samsung Pay?

Using these digital wallets is more secure than using your physical card. This is because a digital account number is used instead of your actual card number. Neither your personal information nor your physical card number is ever revealed to the merchant.

Is Apple Pay available on Android devices?

No. Apple Pay is only available on select Apple devices.

Is there a fee for using Apple Pay, Google Pay, or Samsung Pay?

No. There is no fee for using these services.

My wife and I share the same card number. Can the card be loaded on different phones?

Yes. One card can be loaded on to each cardholder’s passbook.

What if my phone or tablet is lost or stolen?

If your device is stolen, call us immediately at 866-820-3854 so we can deactivate your card for use with Apple Pay, Google Pay, or Samsung Pay. Once you receive your new device, simply re-add your cards. In the meantime, you can continue to use your physical card without interruption.

Useful Tip: “Find my iPhone” is an app you can download to your device. Using this app, you can lock your device remotely wherever you may be. Learn more about this app on the Apple website. For Android and Samsung, check with your device manufacturer’s website for other beneficial security features.

What if my physical Visa card is lost or stolen?

Please contact us immediately at 866-820-3854. Remove the lost/stolen card from Apple Pay, Google Pay, or Samsung Pay. Once you receive your new replacement card, you can add it to your digital wallet.

What should I do when I receive a new, renewed, or replacement card?

For any new, renewed, or replacement cards, you will go through the initial set up to add the card to Apple Pay, Google Pay, or Samsung Pay.

Where can I use Apple Pay?

Apple Pay is accepted at hundreds of thousands of stores. Go to Apple Pay for more information.

Which Christian Community Credit Union cards are eligible for Apple Pay, Google Pay, and Samsung Pay?

Apple Pay is available for all Visa credit, MasterCard, and debit cards. Google Pay and Samsung Pay are available for Visa credit and debit cards and will soon be eligible for MasterCard.

Why am I being asked to call the credit union to verify my card?

For security reasons, we may need additional verification to activate your card on Apple Pay. If this occurs, please call us at 866-820-3854 for assistance.

Will I continue to earn CURewards points on my Apple Pay, Google Pay, or Samsung Pay purchases?

Yes. You will continue to earn CURewards points. The same rules and regulations apply to these purchases as when you make a purchase with the physical plastic card.

Online Banking / Bill Payer

How do I change a nickname?

To change a payee nickname click on the “Options” link below the payee name. Then click on the “Account Information” tab. Next, enter a new nickname, and save your changes. (See screenshot below).

How do I know when my eBills are delivered?

Once you set up an eBill, you will automatically receive an email notification when your eBill arrives. There are also notifications on the “My Bills & People I Pay” page of the new Bill Payer to alert you of any eBills that need your attention. (See example below.)

How do I make a payment in Bill Payer?

To make a payment, simply:

  • Locate the payee you wish to pay and enter the dollar amount you want to pay.
  • Enter the payment delivery date or click the calendar icon to display a calendar with available delivery dates in blue.
  • Click on the “Pay” button to make the payment. A confirmation message will appear in the bottom half of the payee tile for your reference.

How do I make sure a payment has been made?

To view payments that have been made review the list of “Scheduled payments”, “In-process payments”, or “Recently processed payments” on the right hand side of the “My Bills & People I Pay” page. You can click on the “View payment history” link to view additional detail.

How does my account information appear in Bill Payer?

The new user interface is meant to be easy to use and intuitive. Nicknames and the last four digits of the account number will appear on the home page instead of the payee name. If you have not indicated a nickname in the previous system, the payee name will be the default. Make sure your nicknames are unique and specific and you will be able to easily scan, review and pay bills.

What if I forget my Password for Online Banking?

You can choose the “Forgot User ID / PW” option on the initial login screen.

What is an eBill?

An eBill is an electronic version of your paper bill that you receive directly within Christian Community Credit Union’s Bill Payer. An eBill allows you to conveniently view and pay a bill in one place, right from Bill Payer.

CU Rewards – Redeem Points for Cash

Can Points for Cash be redeemed at ANY amount? How many points do I need?

Visa Signature and World MasterCard can be redeemed in $25 increments which equals 2,500 points. Visa Rewards can be redeemed in increments of $50 which equals 5,000 points.

Does the cash have to be deposited into a Credit Union account?

Yes, you can only have the cash deposited into a Christian Community Credit Union savings or checking account. Christian Community Credit Union’s routing number will already be prefilled for you.

Does the payment to the credit card have to be to a Christian Community CU card?

Yes. The payment will be credited to the credit card from which the points are being redeemed.

How long will it take for the cash to be deposited into the Credit Union accounts?

Redemptions for cash will be deposited into the your designated Christian Community Credit Union account within 10 business days.

How long will it take for the payment to post to the credit card?

Payment to the credit card will post to your credit card account within 10 business days.

Is a Money Market account considered a checking or savings account?

It is considered a checking account and you will need to provide your member number and suffix, which is 11 digits, to assign having points placed in your Money Market account.

Is this available for all credit cards?

This option is available for World MasterCard, Visa Rewards, and Visa Signature Rewards. This is not available for Business Rewards and debit cards.

What are the new options for redeeming CURewards points?

You can redeem points for cash which can be deposited into a Christian Community Credit Union savings or checking account. Points can also be redeemed for payment towards your Christian Community Credit Union credit card.

What if I enter invalid account information?

You are responsible for providing accurate account information. If the account is invalid, the points will be returned to you within 90 days.

Where can I redeem points for cash?

You can redeem your points for cash through the CURewards website. Points cannot be redeemed for cash over the phone.

Will I be able to redeem points if my account is delinquent?

You will not be able to redeem points if your account is two or more cycles past due.

EMV Chip Cards

Can I still swipe my card as usual?

Yes. Your new chip card has the flexibility to be used either in an EMV-enabled terminal or swiped on a magnetic stripe reader.

How do I use the EMV card?

  1. Insert the chip end of your card into the terminal with the chip facing up.
  2. Keep your card in the terminal throughout the transaction and follow the prompts on screen.
  3. Remove your card when prompted and take your receipt. You may need to sign for your purchase.

What does "EMV" mean?

EMV stands for Europay, MasterCard, and Visa, and is named after its original smart chip technology developers.

What is a chip credit card?

Chip cards, or “smart cards” have a microchip embedded in the credit or debit card. The chip is encrypted and provides stronger security and protection against fraud.

What kind of information is stored on the chip?

The microchip embedded in the card stores information required to authenticate, authorize, and process transactions. This is the same type of information already stored in the magnetic stripe. No personal information about your account is stored on the chip card.

What makes EMV cards more secure?

EMV cards store payment information in a secure chip rather than on a magnetic stripe. Unlike a magnetic stripe card, it is virtually impossible to create a counterfeit EMV card.

Why am I being sent this new card?

Card issuers around the world are including chips in bank cards, and merchants are moving to EMV-compliant terminals to increase security and reduce fraud resulting from counterfeit, lost, and stolen cards.

Why isn't my card working?

You may be inserting the card incorrectly or removing it from the terminal before your transaction is complete.

Will I have to pay extra fees?

No. There will be no added fees for your new card.

Will my card work outside the United States?

Yes. Your new chip card will work all over the world at any merchant who accepts Visa cards.

Mobile Banking App

3D Touch - How does 3D Touch work?

Based on the level of force that you use on the app icon, certain actions can occur. There are three ways that 3D Touch can be used:

1. Quick Actions on the app icon: When you press down on the icon, you can tap on a list of navigation options. After logging in, you will be immediately taken to the feature you selected.

2. Peek and Pop on accounts: Pressing and holding down on a suffix within the Accounts page will give you a view of transactions without having to leave the Accounts page.

3. Peek and Pop on Mobile Deposit history: Similarly, the same sort of peek into Mobile Deposit history is now possible.

3D Touch - What is 3D Touch?

3D Touch is a new feature of Apple hardware. It is available on iPhone 6S and 6S Plus.

App Download - What is a Mobile Banking App?

A Mobile Banking App is a piece of software that gives you convenient, fast access to your accounts from your mobile phone or tablet. With a click of the App, you can login and instantly connect to your account and check account balances, view recent transactions, deposit checks, and/or locate your nearest CO-OP Shared Network ATM or Branch Location. Our Mobile Banking Apps are free and available for iPhone, iPad, Android (phone & tablet), and Kindle Fire.

Download the app that’s right for you!

iPhone / iPad App | Android App | Kindle Fire App

Fingerprint ID - How do I set up Fingerprint ID?

When logging into the upgraded app for the first time, you will be prompted to enable Fingerprint ID. If you have not registered your fingerprints on the device, the Android app will ask you to register your fingerprints first.

Fingerprint ID - I have an Android device. Can I set up Fingerprint ID?

Yes! Fingerprint ID is now available on any Android device that has a physical fingerprint scanner and is running the Android 6.0 Marshmallow operating system. Fingerprint ID will allow you to log into the app using your fingerprint.

Login - I forgot my login credentials; do I need to go online to reset them?

No. You now have the convenience of resetting your username and/or password right on the mobile app.

You can access the Recover Credentials option on the More section of the main navigation menu for the app. You will also be presented with the Recover Credentials option if you have entered incorrect login credentials.

Push Notifications - How do I turn on Push Notifications?

You must log into your mobile banking app and enable Push Notifications from the app’s Settings page. The app will display the same list of banking alerts that are available within Online Banking Alerts and Notifications.

Push Notifications - If I already have email or text alerts set up in Online Banking and I enable Push Notifications, will I receive duplicate alerts?

Yes. However, you can turn off Push Notifications for an alert at any time in the mobile app.

Push Notifications - What are Push Notifications?

Push Notifications allow you to receive banking alerts through your mobile device. You can set up alerts such as balance updates, low balances, large withdrawals and large deposits.

Quick Balance - How do I set up Quick Balance?

You can enable Quick Balance from the app’s Settings page after successfully logging into the app. Once enabled, you can access Quick Balance simply by swiping down from the middle of the login page.

Quick Balance - What is Quick Balance?

Quick Balance is an optional feature that allows you to quickly access your balance and recent activities without logging into the app.

Split Screen Multitasking - What is Split Screen Multitasking?

Split Screen Multitasking is a new feature that allows iOS 9 iPad users to run two apps at the same time, side by side.

Mobile Credit Card

Can I use my Online Banking login credentials for Mobile Credit Card App?

No. You must complete the Mobile Credit Card App Registration process from the phone to create login credentials and set up security questions.

Do I need a data plan?

A data plan is typically needed when you want to use the app when Wi-Fi is not available. Please check with your wireless carrier for more information.

How do I change my password or security questions?

Sign on to the Mobile Credit Card App. From the home screen, select the “Settings” button. You will then be guided through the change process.

How do I register for Mobile Credit Card?

Download the app from the store, have your card available, and register from the phone. You will verify your identity, select security questions, and create a Mobile Credit Card App user ID and password.

How do you use the information that I provide during registration?

Your security questions, answers, user ID, and password are validated to verify your identity and account ownership.

How much does this service cost?

There is no charge from the credit union associated with the service. However, there may be charges associated with data usage on your phone. Check with your wireless phone carrier for more information.

I forgot my password. How do I reset it?

You can choose the “Forgot User ID / PW” option on the first screen.

I forgot my username. How do I find out what it is?

On the Login screen, select the “Forgot Username?” link. You will then be guided through the change process.

I'm not an Online Banking user. Can I still use the Mobile Credit Card App?

Yes. Online Banking is not required to use this service. If you’d like to enroll for online banking as well, click here.

Is it secure?

Yes. The Mobile Credit Card App service uses best security practices such as HTTPS, 128-bit SSL encryption, and automatic site timeout when session is inactive. In addition, no account data is ever stored on your phone. Also, in the event your phone is lost or stolen, the service can be immediately disabled by calling the number on the back of your card.

What happens if I get a new phone or change phone numbers?

Simply reinstall the app and start using it.

What if I forget the answer to my security question?

Please call the phone number on the back of the card.

What if my device is lost or stolen?

In the event your phone is lost or stolen, the service can be immediately disabled by calling the number on the back of your card.

Which cards will I be able to see?

Any Christian Community Credit Union card in which you are the primary or secondary cardholder.

Which wireless carriers are supported?

We support the more popular US wireless phone carriers, including AT&T, Sprint, T-Mobile, and Verizon.

Mobile Deposit

Why don’t I have the option to receive mobile deposit email confirmation?

Email confirmation is no longer available because you can see the status of current and historical deposits all in one location now. When you access the Deposit Checks area on the app, you can view your Mobile Deposit history under the History tab. You will be able to view 180 days of history that includes real time check status, deposit information and the front and back of the check image.

Will I be able to make a Mobile Deposit using my Android Tablet?

Yes, you will now be able to deposit checks using your Android tablet. The tablet must have a rear-facing camera of at least 1 megapixel.

Prepaid Student Card

Are there transaction or reload limits?

Purchase transactions are unlimited, up to the balance remaining on your card. However, for the protection of our cardholders, there are limits to the number and dollar amount of reloads, ATM withdrawals and cash advances performed within a certain time period. To learn more about the current limits, please reference your terms and conditions.

Can I purchase a Visa Student Card as a gift?

No, Visa Prepaid Cards cannot be given as a gift. You purchase the Visa Prepaid Card for your own personal use.

Can I reload the Student Card?

Yes, the card can be loaded up to 4 times for Non-personalized and unlimited times for Personalized. To reload using the credit or debit card registered during enrollment, primary cardholders can visit the website, call the number listed on the back of their card, or visit your local branch. Any applicable fee for reloading via the website or by phone will be charged to your funding source, along with the value being added to your card.

Can I set up direct deposit of my paycheck from my employer to my Prepaid Card?

Yes, there is a downloadable form on this website that you can print and give to your employer. It has the routing/transit number and account number that your employer will need to set up direct deposit onto your prepaid card.

Can the card ever have a negative balance?

Any authorization request that is greater than the card’s available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount.

Does the cardholder need to sign an agreement?

Each card is distributed with Terms & Conditions. This document fully explains the terms and conditions regarding the use of the card. This document can also be viewed online. The cardholder accepts the terms and conditions by signing the back of the card, using the card, or receiving the card by request.

How do I activate my Student Card and obtain my PIN?

Non-personalized cards are activated at the time of purchase. Personalized cards can be activated by logging into this site and clicking on the Activate Card button, or, by calling the customer support number listed on the back of your card. On the web, choose Select PIN to choose your PIN. Over the phone, an assigned PIN will be automatically spoken after your card is activated and you will be given the opportunity to select a new PIN if you choose.

How do I find an ATM when I travel - especially overseas?

Visit our website at or use the ATM locator found at for participating Visa ATMs both domestic and abroad.

How do I get a Student Card?

You can order personalized Student Cards directly at this site, or purchase non-personalized Student Cards at your local branch.

How do I know the balance on my Student card?

You can check your balance at our Web site,, by calling your local branch, or by calling customer support at 866-760-3156. Since a merchant may not be able to tell how much money is on the card, keeping track of your balance is a sure way to know how much you have to spend.

How does a Student Card work?

It’s a reloadable prepaid Visa debit card, which means you can spend up to the value placed on the card anywhere Visa debit cards are accepted. You can shop in stores, online, over the phone, and by mail order. You can get cash at Visa/PLUS ATMs worldwide. Each time you make a purchase, the amount of that purchase is automatically deducted from the card.

If the Student Card is purchased by a parent and a secondary card is issued to a student, will the student be able to view the parent's funding information on the website?

No, both the student and the parent will have unique User IDs allowing the funding information to be visible to the parent only.

What do I do if I have a Non-Personalized Student Card and I have reached the 4-load limit?

If you choose, a new Personalized Student Card can be ordered from the website, or by going into your local branch. You can continue to make purchases using your old card until the balance has been depleted.

What happens if I need to return an item?

Each merchant location has its own return policies and will handle the returns in the same manner as any other Visa transaction and may take up to 7 business days to be credited to your Student Card. They may credit your Student Card; provide a cash refund, or a store credit.

What happens if my Visa Student Card is lost or stolen?

We provide 24-hour toll-free support. Immediately report any problems or a lost or stolen card by calling 866-760-3156. A replacement card can be issued and any available balance transferred to a new card, less applicable fees that will be deducted from the card’s available balance. Replacement cards are generally received in 7-10 business days. Emergency card replacement can also be requested with guaranteed delivery within the next business day, or sooner in some cases. See the Terms & Conditions for fees that apply to lost or stolen cards and emergency card replacement. As long as the lost or stolen card is reported immediately, you will not be responsible for any unauthorized merchant charges. If traveling internationally or far from home, a secondary card should be considered. That way, if the primary card is lost or stolen, the secondary card can immediately be used to access the funds without having to wait for a replacement card.

What if the purchase is denied?

If a decline occurs, the card’s available balance is probably less than the purchase amount. You may inform the merchant of the remaining balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant. Also, please be aware that some merchants, for example, restaurants, car rental agencies, salons, mail order companies, and cruise lines preauthorize for an amount slightly higher than your actual transaction to ensure sufficient funds for tips or incidental expenses. This amount is “held” until the transaction settles to your Student Card. Only the amount you sign for will ultimately be deducted from your card. Use of the card at automated fuel dispensers requires a minimum balance of $75.00. Again, only the actual amount spent will ultimately be deducted from the card.

What is the exchange rate when I get to another country?

The exchange rate is determined by the rate of exchange on the date of purchase. Using your Student Card at an ATM can be less expensive than using a currency exchange to get foreign currency.

When I travel, are my receipts in U.S. dollars or the local currency?

Your receipt will reflect the local currency. It is always good to plan ahead and have a general idea of what the local exchange rates are before you travel. This helps you to understand what goods and services are actually costing you.

Where can my Student Card be used?

Your card can be used to make purchases at millions of Visa debit locations worldwide and to obtain cash at any Visa Interlink, or Plus® ATM worldwide.

Who can order or use the card?

Our Visa Prepaid Card can be purchased by anyone that has a valid Christian Community Credit Union credit or debit card registered in his or her name. The individual purchasing the card is defined as the primary cardholder. The address listed for the primary cardholder must match the billing address for the debit/credit card used to purchase the Student Card. Personalized primary cardholders can order online up to two personalized secondary cards for family members or companions. When purchasing a secondary card for a young person with no card experience, be sure to go over all of the materials that accompany the card.

Why might my initial load or reload be declined?

Possible reasons your initial load or reload might be declined are: the name/address on file with the debit/credit card issuer does not match the primary cardholder profile on the Visa Student Card website, the debit/credit card expiration date or 3 digit code listed on the website is incorrect, or the 4 load limit or other applicable limits have been exceeded. First, verify your funding source information and the total number of reloads performed to date. If this does not resolve the issue, call the toll free number on the back of your card to discuss other limits that may have been exceeded.

Remote Deposit Capture

By what time does an online deposit need to be submitted for same day processing?

Deposits received by Christian Community Credit Union by 10:00pm ET (7:00pm PT) are processed on the same business day and are subject to the funds availability schedules provided during RDCexpress enrollment.

Can foreign currency checks be processed through RDCexpress?

No. RDCexpress is only for checks payable in U.S. dollars and drawn on banks in the United States.

Can I export, save, and print images of my deposited items?

You are able to produce reports from RDCexpress, one of which includes check images embedded in the report. These reports can be downloaded, saved, and printed.

Can I use a scanner I already own for RDCexpress?

You can use any of the approved check scanners listed under the FAQ: What scanners are supported for RDCexpress?

Can multiple deposits be submitted each day?

Yes. Multiple deposits can be submitted each day.

Do I have to purchase special software to use RDCexpress?

No. RDCexpress is accessible online.

Do I need to use paper deposit tickets when using RDCexpress?

No. Physical deposit tickets cannot be used for any deposit made through RDCexpress. RDCexpress automatically creates an electronic deposit ticket for each deposit.

Does the scanner come with a warranty?

Warranty can be purchased along with the scanner.

How do I download the scanner driver?

All new driver installs and driver upgrades should be installed from the documentation tab in RDCexpress.

How long can I view information about my submitted deposits?

You are able to view information about a submitted deposit for 24 months. If you need access to the deposit after 24 months, please call 800.347.CCCU (2228) Monday through Friday, 8:00am – 5:00pm for assistance.

How long should I retain the original checks?

Christian Community Credit Union requires you to retain the original checks for a minimum of 90 days. Once you’ve determined that the checks have been processed, the amount of time that you retain the originals should be determined by you and your legal counsel.

How many checks can I include in one deposit?

You can include an unlimited number of checks in a batch. However, it is recommended that you batch your deposits by 100.

Is RDCexpress secure?

Christian Community Credit Union uses advanced technology to protect the confidentiality of your financial activities while you are online. We require a user ID and password to access any account information using RDCexpress. Account information is only displayed in the secure online application, where firewalls block unauthorized users from accessing your account information.

What are the system requirements for using RDCexpress?

1GHz or higher CPU, 2GB RAM, USB 2.0 Port, keyboard, mouse, monitor Operating Systems

Operating Systems

  • Windows Vista 32-bit or 64-bit
  • Windows 7 32-bit or 64-bit
  • Windows 8 32-bit or 64-bit
  • Mac OS X 10.7.3 or higher

What fees are charged for using RDCexpress?

There is a minimal monthly service fee, starting at $50. The monthly service fee is based on the monthly volume of checks captured. Additionally, there is a scanner cost. However, through relationship-based pricing, we have offered most of our scanners for free and waived the monthly service fee. Please contact a Ministry Development Officer for more information.

What is RDCexpress?

RDCexpress is a secure online service that allows you to scan paper checks from your desktop and electronically send the images to Christian Community Credit Union for deposit through the Internet.

What kind of checks can be processed through RDCexpress?

Checks payable in U.S. dollars and drawn on any U.S. bank including but not limited to the following:

  • Personal
  • Business
  • Treasury

What scanners are supported for RDCexpress?


  • SmartSource Professional


  • CR-25, CR-50, CR-55, CR-80, CR-180 II, CR-135i, CR-190i

Digital Check

  • TellerScan TS215, TS230, TS240, 4120
  • CheXpress CX30


  • CaptureOne


  • Excella
  • Excella STX


  • VisionX
  • I:Deal
  • wI:Deal


  • 6100


  • EC7000i


Contact FIS for available options on these scanners. Options for several of the scanners include:

  • Rear Ink Jet Endorsement
  • Franking
  • Several models are field upgradeable to a higher DPM
  • Some models are OCR capable (for coupon/remittance processing)

Please note: For Apple Mac computers using Mac native operating system, the only certified scanners are the Panini VisionX, Panini I:Deal, and Magtek scanners. When using a Magtek scanner with Mac, an Ethernet (not USB) connection to the scanner is required.

What supplies are needed for ongoing operation of the scanner?

Scanner ink cartridges and cleaning kits are recommended to properly maintain you check scanners. Please check your scanner manufacturer’s website for more maintenance information.

What type of Internet connectivity is required?

Broadband Internet access with a minimum of 256Kbps upload and download speed is required for satisfactory performance.

When am I able to submit my deposits?

Deposits can be submitted 24 hours a day, 7 days a week.

Scholarships for Success

Are employees and their family members eligible?

Employees of Christian Community Credit Union are not eligible, but their family members are.

Are scholarships taxable?

Scholarship funds that are exclusively for the payment of tuition, textbooks, fees, supplies, and equipment are normally not taxable. Recipients are responsible for taxes, if any, that may be assessed against their scholarship award. We recommend consulting your tax advisor or visiting the IRS website at for more information.

Can I apply for a scholarship if I have already graduated from high school or am already in college?

Yes, you may apply for the scholarship after you graduate from high school and are already in college. Incoming freshmen need to submit a letter of acceptance from the school.

Can I apply for membership along with my scholarship application?

Yes, you may open an account at the same time you apply for the scholarship. However, you need to have a Checking Account to be considered for a scholarship. Your Checking Account must be opened by the day specified at

Can I apply if I have already completed my undergraduate degree and am attending graduate school?

Yes, the scholarship program is open to undergraduate students and graduate students.

Can I bring my application directly to the branch?

Yes, you are welcome to bring the application to one of our branches as long as you bring it in on or before the last day specified at

Can I enroll per semester/quarter with less than 12 units as an undergraduate student; six units or less as a graduate student?

You must enroll with 12 units or more as an undergraduate, and six units or more as a graduate student.

Do I have to open an account with Christian Community Credit Union before I apply for the scholarship?

You do not need to open the account before you apply. You may open an account at the same time you apply for the scholarship. However, you need to have a Checking Account to be considered for a scholarship.

Do you need to be a citizen or legal permanent resident of the United States to apply?

Yes, the scholarship program is limited to members of the Credit Union who are citizens or legal permanent residents of the United States and its current and former territories.

How and when will I receive notification that my annual transcripts are due?

Recipients will receive a notification by mail and email in May of each year. To ensure email delivery, be sure to add [email protected] to your email address book or “safe senders list” so these important emails are not sent to your junk mail folder. Also, do not opt-out of any emails sent from [email protected] in order to receive vital information regarding your scholarship award.

How many Checking Account transactions do I need to have per month to be considered active?

An average of 10 transactions per month. Transactions include deposits, withdrawals, transfers, checks, and debit card purchases through any channel; i.e., in person, mail, ATM, online, mobile, or electronic.

How much is the scholarship award?

The Credit Union is awarding a total of $60,000 in 2017 and scholarships are $1,000 each year. The “Scholarships for Success” Program offers multi-year scholarship awards as follows:

  • Maximum of $4,000 for Undergraduate students
  • Maximum of $2,000 for Graduate students

I applied for the scholarship last year and did not get selected as a scholarship recipient. Can I apply again this year?

Yes, you may apply again if you were not selected last year. You will need to submit a new application along with all the information required.

I only have a Savings Account with Christian Community Credit Union. Can I apply for a scholarship?

No. You must have a Checking Account with the Credit Union in order to be considered for the scholarship.

I was selected for a multi-year scholarship in 2017. Do I need to apply again?

No, you need not apply for scholarship. However, you need to meet the requirements to maintain your multi-year scholarship awardee status.

I was selected for a scholarship prior to 2014. Can I apply?

Yes, you may apply for the multi-year scholarship until you have received the maximum scholarship of $4,000 for undergraduate students; $2,000 for graduate students.

I’m already a member with either a Savings, Credit Card or Loan Account. How can I open a Checking Account with Christian Community Credit Union?

You can open a Checking Account by following one of these easy steps:

  • Go to and click on “Open Additional Accounts” (must be 18 or over to apply online).
  • Call 800.347.CCCU (2228) to request an Additional Services form and mail it back.
  • Come to our Covina or San Dimas branches and a Member Services Representative can help you open a Checking Account.

I’m currently not a member of Christian Community Credit Union. How can I become a member of Christian Community Credit Union?

You can become a member by following one of these easy steps:

  • Apply online at (must be 18 or over to apply online).
  • If you’re a student age 16-24, take advantage of our Student Advantage Banking Program. Go to
  • Call 800.347.CCCU (2228) to request a membership invitation and open a Checking Account.
  • Come to our Covina or San Dimas branches and a Member Services Representative can help you open a Checking Account.

If I receive a multi-year scholarship as an undergraduate student, will I continue to receive my award if I pursue my graduate studies?

Undergraduate students who receive a multi-year scholarship will need to re-apply for scholarship as a graduate student when they pursue their graduate studies.

Is a CUTMA account considered my “own” account?

No. You can either open your own Christian Community Credit Union Checking Account or have your custodian close the CUTMA account and transfer the funds to you for the purpose of opening your own Checking Account. To do so, download and complete a CUTMA Relinquishment form at

My parents have an account with Christian Community Credit Union, but I don’t. Can I apply for a scholarship?

You must have your own Checking Account with the Credit Union in order to be considered for the scholarship.

Will I need to submit additional information to continue receiving my multi-year scholarship?

Yes, recipients of multi-year scholarships will receive an annual notification via email and mail requesting transcripts to be submitted to the Credit Union.

Where can I get a scholarship application?

When will I need to submit my annual transcripts?

Transcripts are due July of each year to reflect the completed academic year.

When will I find out if I have been awarded a scholarship?

Scholarships will be awarded the third week of May. All applicants will receive an email from the Credit Union regarding the outcome of their application. Be sure to include your email in your application. To ensure email delivery, be sure to add [email protected] to your email address book or “safe senders list” so these important emails are not sent to your junk mail folder. Also, do not opt-out of any emails sent from [email protected] in order to receive vital information regarding your scholarship application.

When do I receive my yearly disbursement?

Annual awards will be disbursed in August of each year.

What will my yearly award amount be?

$1,000 per year up to $4,000 for undergraduate students; $1,000 per year up to $2,000 for graduate students.

What is the scoring criteria?

Grade Point Average (GPA), Areas of involvement, Essay, and References.

What are the requirements to maintain my multi-year scholarship?

Recipients of a multi-year scholarship need to be:

  • Members of Christian Community Credit Union with an active Checking Account of an average of 10 transactions per month. Transactions include deposits, withdrawals, transfers, checks, and debit card purchases through any channel; i.e., in person, mail, ATM, online, mobile, or electronic.
  • Attending a college, university, or seminary for the incoming academic year.
  • Enrolled (per semester/quarter) with 12 units or more for undergraduate students; six units or more for graduate students.
  • Maintaining a minimum 3.0 cumulative Grade Point Average (GPA).

What are the requirements to be eligible to apply for the scholarship?

  • Applicants need to be a member of Christian Community Credit Union with a Checking Account (newly-opened or existing). If the applicant is not a member of the Credit Union at the time he or she sends a scholarship application, a completed membership application needs to also be included.
  • If the applicant is an existing member who does not have a Checking Account with the Credit Union, a completed Additional Services form needs to be included.
  • Applicant needs to be attending a college, university, or seminary for the incoming academic year.
  • Applicant needs to be enrolled (per semester/quarter) with 12 units or more for undergraduate students; six units or more for graduate students.
  • Students need to provide a current Grade Point Average (GPA) score along with grade transcript (need not be official).
  • Applicant must complete an essay on a given topic.
  • Applicant must submit a letter of acceptance (graduating high school seniors and incoming Graduate students only).
  • Applicants need to list activities and involvement in church, community, and school.
  • Two signed letters of recommendation from individuals who have known you for at least one year (no family members).
  • All applications need to be postmarked no later than the last day specified at
  • Scholarship applications lacking any of the requirements will not be considered.

Touch ID (Apple) / Fingerprint ID (Android)

How do I know it’s secure?

Touch ID / Fingerprint ID fingerprints are stored on the device and never leave it. Furthermore, they are encrypted with a key that is only accessible to the device. Mobile Banking Apps cannot access the actual fingerprint.

How do I set it up?

Upon successfully logging into the Mobile Banking App with your username and password on a Touch ID / Fingerprint ID supported mobile device, you will receive a prompt asking if you would like to start using Touch ID / Fingerprint ID to log in.

  • If accepted, you will be able to login with Touch ID / Fingerprint ID the next time the Mobile Banking App is opened. You will also be prompted to verify your fingerprint for additional security.
  • If not accepted, you will be prompted one more time after 30 days. After the 30-day period, if you want to enable Touch ID / Fingerprint ID, it can be enabled from the Settings menu in the Mobile Banking App.

Is Touch ID / Fingerprint ID available on my iPad or Android Tablet?

Yes, Touch ID is available on Apple iPads. Fingerprint ID is available on Android devices which have a physical fingerprint scanner and running Android 6.0 Marshmallow O.S.

What is Touch ID / Fingerprint ID?

Touch ID / Fingerprint ID is a simple, secure way for you to access your accounts through mobile devices using built-in, fingerprint-sensor technology.

Visa Checkout

Do members still earn CUReward points on Visa Checkout purchases?

Yes, you will continue to earn CUReward points when using Visa Checkout to make purchases.
Normal CUReward accrual rules apply.

Does Visa Checkout work on a mobile device?

Visa Checkout can be accessed using any web-enabled mobile device.

How do consumers pay with Visa Checkout?

When consumers are shopping online at merchants that accept Visa Checkout, they will see a “Visa Checkout” button at checkout. Once the consumer establishes a Visa Checkout account, all they need to do to pay at these sites is sign in with their email address and Visa Checkout password, and all their stored payment and shipping information will be available for them to use. The consumer selects the payment method and shipping address they would like to use for the purchase, and complete the checkout.

How do members know an online merchant accepts Visa Checkout?

During the checkout process, you will see an option for Visa Checkout. Click on the link in order to proceed. If there is no Visa Checkout option, then the merchant does not participate.

How is consumer information protected?

Visa uses advanced security technologies to help protect information, including industry standard encryption and multilayer authentication.

Is there a cost or fee for consumers to participate and use Visa Checkout?

No, there is no cost or fee to participate in Visa Checkout. There is no fee for the Visa Checkout alerts service. However, text message and data rates may apply with the consumer’s wireless carrier.

Once consumers have successfully enrolled, what else can they do with Visa Checkout?

Once a consumer has created their Visa Checkout account, they can use it to pay without re-entering their payment and shipping information on any website that accepts Visa Checkout. All they have to do to speed through checkout is add their favorite cards and shipping addresses to their Visa Checkout account. Their cards will be saved in their account so checking out at sites that accept Visa Checkout is quick, easy and safe. Here’s an overview of the things they can do in their account:

  • Add more payment methods.
  • Edit card details.
  • Remove a payment method.
  • Set a default payment method and shipping address.
  • Add frequently used shipping addresses.
  • View Transaction History of all their Visa Checkout purchases.
  • Add, update, or remove alerts on their Visa cards

What is Visa Checkout?

Visa Checkout (referred to as VC in this document only) is a convenient service offered by Visa to simplify the checkout process when making online purchases. Rather than having to enter your personal information, billing & shipping address, and payment details every time you make an online purchase, Visa Checkout will save your information and quickly use that saved info to complete your purchase.

Below is a sample of how easy a payment is processed using VC:

What kind of payment methods can consumers add to Visa Checkout?

Any Visa, MasterCard, American Express or Discover debit or credit cards can be added to a Visa Checkout account. However, Visa Checkout is currently only offering Alerts for Visa cards.

Why would members want to use Visa Checkout?

Using Visa Checkout is fast and easy- Cardholders can check out on any website where Visa Checkout is accepted without having to re-enter payment information.

Using Visa Checkout is secure- Visa Checkout provides cardholders all the security and protection they have come to expect from Visa.

Using Visa Checkout is convenient- Easily make online payments through Visa Checkout using a computer, tablet or mobile phone.

Visa Gift Card

How can I check the balance on my gift card?

Call the number on the back of your card for balances and transaction history. Both personalized gift cards (purchased online) and non-personalized gift cards (purchased in the branch) will have to be registered prior to reviewing the account information online.

How can I use my gift card?

You can use your Christian Community Credit Union Visa Gift Card at most places Visa Debit is accepted. See Terms and Conditions for further information.

Is there a service charge to purchase a Visa Gift Card?

A $5.95 service charge applies per online gift card purchase, including shipping and handling.
A $4.95 service charge applies per in-branch gift card purchase.

When I swipe my card, the terminal asks me to input my PIN. What is my PIN?

A Personal Identification Number (PIN) is not issued with the Christian Community Credit Union Visa Gift Card. If a PIN is requested, simply press ‘Cancel’ on the terminal, and then select ‘Credit’ to complete your transaction.

What should I do when the merchant's sales terminal asks me to press 'Debit' or 'Credit'?

You should always press the ‘Credit’ button. Although the Visa Gift Card is not a credit card, the transaction is processed like one. You should always sign a sales receipt.

What should I do if my Visa Gift Card is lost or stolen?

Contact Christian Community Credit Union Visa Gift Card Center immediately at 1-866-902-6082. Additionally, read the Christian Community Credit Union Visa Gift Card Center Terms and Conditions contained in this cardholder for important Visa Gift Card information.

What is the Visa Gift Card?

Your Christian Community Credit Union Visa Gift Card is a non-reloadable prepaid Visa Debit Card with a specific dollar value. Your Visa Gift Card and its value are accepted at most places Visa Debit is accepted.

What if the item I want to purchase exceeds the value of my gift card?

If the purchase amount exceeds the available card balance, you must inform the merchant of the amount you want to pay with the Visa Gift Card and that you will pay the difference in cash, check, credit, or debit card. If the purchase amount exceeds the available balance of the Visa Gift Card, the transaction will not be approved.

What happens when the funds are spent?

When you have depleted all the funds on the card and no returns are necessary, simply destroy and discard the card.

What do I do if I need to return an item?

If you need to return an item purchased with your Visa Gift Card, the merchant will handle the item in accordance with Visa guidelines. The merchant may credit your card (put the funds back on the card), thereby increasing your available funds.

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