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General FAQ's:
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| Credit Unions are non-profit,
cooperative financial institutions which are formed for the benefit of
their members. Go to About Us for more information. |
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| An Online Membership Application
can be found by following: Join SCU . |
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| Do you Live,
Work, Worship, or Attend School in any of these communities? If
so, you are eligible! However, if you find you're not eligible to
join Sharefax Credit Union through a family member, community, or school
who belongs, or through your employer; Go
to Select Employer Groups . |
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| Our current Dividend and
Dividend Rates have been posted on the website and are located on the
Rates Page. |
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| Yes, Sharefax's Checking Account
has no monthly, quarterly or annual fees. Go to Checking
for more information. |
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| Yes, you may start the loan
application process by completing the following form at Apply
Today. |
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| No, however, through our SCU
Search located on the right side of the page you can search for what you
are looking for.. |
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| A list of Sharefax's convenient
hours can be found at Contact Us. |
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| There is a 2 business day hold
on checks within Cincinnati Federal Reserve District and a 5 business day
hold on checks outside the Cincinnati Federal Reserve District. This
excludes Government, Certified, Cashier's, and Member Company
Payroll Checks. Other exclusions may apply. |
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| Your ATM Card PIN may be changed
at most ATM Machines or by calling our ATM Card Dept at (513) 753-2440. |
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| Your Audio/S.T.A.R. PIN may be
changed: (1.) Using the S.T.A.R. Audio System, (2.) Using Sharefax-Online,
or (3.) Call or visit your Credit Union Representative. |
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| Absolutely, up to $100,000 by
the National Credit Union Administration, an agency of the Federal
Government. |
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| If you haven't already, visit
your Credit Union Representative to complete and sign a Member Transfer
Authorization Form. |
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| Yes, once you are a member of
Sharefax, you are always a member as long as you maintain an active
account and your immediate family members are eligible too. |
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| No, not at all, once you are a
member of Sharefax, you are always a member as long as you maintain an
active account. In addition, we will also accept deposits from your
new employer. |
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Sharefax's Routing and Transit
Number can be found using the following diagram:
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| Error 404 is returned when the
item your browser is searching for cannot be found, whether it be caused
by a misspelling or a bad link. |
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| You can get a copy of the
Updated S.T.A.R. System Menu by either: (1.) Request to have a S.T.A.R.
brochure mailed to you through the S.T.A.R. System through your C.U.
Representative, or over the S.T.A.R. System (Transaction Code 9 # Other
Services; 1# Brochures Request; Brochure Number 103#; or (2.)
Look for an Online S.T.A.R.
Menu Map Here! |
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| During Normal Business Hours -
simply call the Credit Union at (513) 753-2440 to let us know your Debit
Card has been lost or stolen. If it is after normal
business hours, you may call (800) 528-2273. |
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If you are a Member of Sharefax
and would like to post your for sale item on our site;
Fax, Mail, Drop off @ any office, or Email:
What you want the add to say (30 words or less); include the Make, Model,
Yr. (if applicable), Description, & a way for people to contact you.
Please include somewhere, your full name or acct # for membership
verification. |
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| To check the balance/status by
phone, you may call Sharefax Directly and ask for the Credit Card
Department at (513)753-2440; or you can call the Customer Service # at
800-237-6211; or your status and balance may be checked online at http://www.EZCardInfo.com.* |
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| Social Security payments are
posted to accounts, based on the Schedule of Payments distributed by the
Social Security Administration. This schedule can be found here, at
their website: http://www.ssa.gov/pubs/2005calendar.htm* |
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| You are allowed 4 free ATM
Inquiries each month. |
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| No; your checks will not be
returned to you. However, we do microfiche copies of all the checks
you have written in case you ever need a copy. Also, the checks you
purchase through Sharefax are carbonless duplicates; which means every
time you write a check, you'll have a copy of your written transaction. |
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| All of your shares are under the
same account number. They are distinguished by a suffix number (S1 for
savings, S8 for checking, etc.) |
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| S1 refers to your share savings.
S8 refers to your share checking. |
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| Your account is charged a $5 low
balance fee, when your average daily balance during the month falls below
$50. |
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| If you are enrolled for
E-statements, you will be alerted on the 1st day of the month
that your previous month’s statement is available. If you receive paper
statements, you should receive your statement around the 10th
of the following month. |
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| Your finance charge is the
interest that you pay to the credit union on your loan, in exchange for us
lending you the money. |
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| Regulation D is a government
regulation which places a monthly limit on the number of transfers you may
make from their savings and money market accounts, without your physical
presence being required. Transaction (share draft) accounts are allowed an
unlimited amount of transactions and are not counted toward the
Reg. D limits.
Members are limited to
six Reg. D transactions per month per share. Transactions
counted against Reg. D limits include the following:
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Transfers from
share account via Sharefax-Online
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Transfers from
share account via the STAR system
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Transfers from
share account via phone
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Overdraft
transfers from your share account
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ACH
(Automated Clearing House) withdrawals from share account
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Bill payer
transactions from share account
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Utilize
your checking account for recurring electronic payments and bill payer
transactions
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Maintain
sufficient funds in your checking account to avoid overdraft transfers
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Open an
overdraft line of credit to protect yourself instead of using
overdraft transfers
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Perform
your transfers at a Sharefax Credit Union ATM or Branch Office, or
shared branching location
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| Your balance is the total amount
that you currently have in your account. Your available balance is the
amount currently in your account, less any outstanding authorizations that
have not cleared yet. |
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| Because your available
balance at the time of the transaction was not sufficient to cover the
item. |
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| The funds must be in the account
prior to the item being presented. |
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| ACH transactions are posted when
received through the Federal reserve prior to the branch opening. Night
drop is posted first thing each morning after the office is open. |
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| Your loan is set to a payment
method of auto transfer, which means that it will transfer out each month,
regardless of any additional payments that you make. |
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Not all bill payments are sent electronically,
since some merchants aren’t able to receive electronic payments.
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| There is a form that you can
sign to change your payment method. You can receive this form via fax,
email, mail, or you can visit any Sharefax branch. |
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| Direct deposit is posted in the
morning prior to our opening. |
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| Instead of billing you on a
monthly basis, we offer you the convenience of a coupon payment
book. |
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| You cannot change your payment
for just one month. If you
would like to request a due date change permanently, there is a form that
you can sign to change your due date. You can receive this form via fax,
email, mail, or you can visit any Sharefax branch. |
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Sharefax-Online FAQ's: |
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Your financial transactions
using Sharefax-Online are protected with VeriSign Digital Encryption -
Look for the following Seal on Sharefax-Online's Main Logon Page:  * |
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- Make sure you are using your
S.T.A.R. Audio System PIN and NOT your ATM Debit Card PIN.
- If your are not sure what your S.T.A.R. PIN is, please call your Credit
Union Representative. |
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- If you've not yet signed up
for access to Sharefax-Online, visit Sharefax-Online
Authorization Page.
- If you've already signed up and are not sure what your Sharefax-Online
Password is, please call your Credit Union Representative. |
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| You can request to have a
Merchant Added to the Bill Payer Merchant List by completing the Add
Merchant Request Form. |
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| First, please be sure you are
using the correct BASE account number (excluding your check digit - See Sample
Check for Example). If your account number is correct, then
probably the account you are trying to access through Sharefax-Online is
not set up yet or may be frozen. |
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| Maintenance is being performed
to the Sharefax-Online Server at the current time and the server is not
allowing users to Logons. |
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| Maintenance is being performed
to the Sharefax-Online Server at the current time and the Posting Program
is on hold - but will resume shortly - at which time, your Recent
Transactions will Post and Appear. |
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HTTP Error
403
403.4 Forbidden: SSL required
This error indicates that the page you are trying to access is secured
with Secure Sockets Layer (SSL). In order to view it, you need to enable
SSL by typing "https://" at the beginning of the address you are
attempting to reach.
Please contact the Web server's administrator if the problem persists.
This happens because Sharefax-Online is a secure site - this means, rather
than simply typing www.sharefax-online.org - you need to type https://www.sharefax-online.org |
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| To change your Screen Resolution
(in Win9x & WinNT) to the suggested 800 x 600 Setting, do the
following: Follow your Start Menu
Button>Settings>Control Panel>Display and select the Settings
Tab. In the lower right-hand corner of the window, you
should see Desktop/Screen Area, drag the slider bar to
the 800 by 600 pixels, and hit OK. It should
ask you "Do you wish to keep these settings?" Select OK/Yes.
Your screen should now be set to 800 x 600 Resolution. |
