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Frequently Asked Questions

You have questions, we have answers! Check out our frequently asked questions below.

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Are the Set-aside funds in a savings account?

No, the funds are still on your reloadable Prepaid Card; My Card Manager just removes them from your available balance so you do not spend them. You can move them out of your Set-aside balance and back into your available balance at any time.

Are there any 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.

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 access my account anywhere in the United States?

Yes, you can! Christian Community Credit Union has robust online banking and mobile banking tools. Sign-up for online banking or download our mobile apps where you have account access 24/7 anytime, anywhere.

CCCU is also 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

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Can I add funds to my Certificate once opened?

Once your Certificate is opened, you cannot add funds until your Certificate matures. When your Certificate matures, you’ll have a 7-calendar day grace period — starting on your maturity date — to transfer funds or make other changes.

Can I add funds to my Prepaid Card via check deposit?

Your Prepaid Card allows you to load funds by taking a photo of the front and back of a check using a third-party service called Ingo Money. Ingo Money is a service provided by Ingo Money, Inc. and First Century Bank, National Association, Member FDIC, subject to Ingo Money and First Century Bank Terms & Conditions and Privacy Policy. Approval review usually takes 3-5 minutes but may take up to one hour. All checks are subject to approval for funding at Ingo Money’s sole discretion. Unapproved checks will not be loaded to your Prepaid Card. Ingo Money reserves the right to recover funds from bad checks if you knew the check was bad when you submitted it, if you attempted to cash or deposit it elsewhere after funding or if you otherwise act illegally or fraudulently. Ingo Money accepts most, but not all, check types and all checks are subject to approval for funding.  For more information, visit https://www.ingomoney.com.

Ingo Money charges a fee for using this service. Be sure to read the terms found in the Ingo Money mobile app. Prices are subject to change at any time. An example of the fees might include Money in Minutes – 1% for Preprinted Payroll & Government Checks; 4% for Other Check Types; Money in 10 Days – No Fee.  For more details, visit https://www.ingomoney.com/benefits-fees/.

Can I change the order in which the accounts are listed? My credit card is now listed above other loans.

Yes, within online banking go to My Settings and select Rename & Hide your accounts to sort accounts in the order you prefer.  You can drag the accounts above or below other accounts.

Once completed in Online Banking this change will also update in Mobile Banking App too.

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 have Text Alerts go to multiple phone numbers?

You can have alerts sent to only one mobile phone number (standard text message rates, fees and charges may apply).

Can I make any changes to my credit card?

No. This service is for viewing or transferring a payment from a CCCU account you currently have available in Online Banking or Mobile Banking App.

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.