Frequently Asked Questions

What is a Credit Union?

Credit Unions are not-for-profit, cooperative financial institutions which are formed for the benefit of their members. Go to About Us for more information.

Can I request a Membership Application Online?
What does Sharefax Credit Union do with my personal information?
What if I find I’m not eligible to Join Sharefax Credit Union through my family, or employer

Do you Live, Work, or Attend School in any of these communities? If you find that you are not eligible to join Sharefax Credit Union through either your employer, an immediate family member who is already a member of Sharefax Credit Union, or an eligible community or school; please Go to Select Employer Groups.

What are Sharefax’s Hours of Operation?

A list of Sharefax’s convenient hours can be found here .

Is my Sharefax account Federally Insured?

Absolutely, up to $250,000 by the National Credit Union Administration, an agency of the Federal Government.

Once I become a member, are my family members eligible?

Yes, once you become a member, your immediate family members become eligible for membership as well.

If I terminate employment with the company I joined the Credit Union through, do I have to close my Sharefax account?

No. As long as you maintain an active account, you will remain a member of the credit union and therefore able to continue using Sharefax Credit Union as your primary financial institution

Products and Services

How can I find your current Dividend Rates?

Our current Dividend and Dividend Rates have been posted on the website and are located on the Rates Page.

Does Sharefax have free a Checking Account?

Yes, Sharefax’s Checking Accounts have no monthly, quarterly or annual fees. Go to Checking for more information.

Can I get a Loan Online?

Yes, you may start the loan application process by completing the form here.

What is your check cashing policy?

There may be a 2-5 business day hold placed on checks. This excludes Government and Member Company Payroll checks. As well as certified and cashier’s checks that can be verified. Other exclusions may apply.

What’s the difference between savings and checking account number?

All of your shares are under the same account number. They are distinguished by a suffix number (S1 for savings, S8 for checking, etc.)

What is Reg. D?

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:

  • Transfers from share account via Sharefax-Online
  • Transfers from share account via the STAR system
  • Transfers from share account via phone
  • Overdraft transfers from your share account
  • ACH (Automated Clearing House) withdrawals from share account
  • Bill payer transactions from share account
How can I avoid exceeding Reg. D limits?
  • Utilize your checking account for recurring electronic payments and bill payer transactions
  • Maintain sufficient funds in your checking account to avoid overdraft transfers
  • Open an overdraft line of credit to protect yourself instead of using overdraft transfers
  • Perform your transfers at a Sharefax Credit Union ATM or Branch Office, or shared branching location
Is there a Site Map / Table of Contents to Sharefax’s Website?

You can use the search bar at the bottom of the page to help you find what you are looking for.

Account Info

How can I change my ATM Card PIN?

Your ATM Card PIN may be changed at most ATM Machines or by calling our ATM Card Dept at (513) 753-2440 ext.5102.

How can I change my Audio/STAR PIN?

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.

I want to transfer money between my 2 accounts, how can I do this?

You can transfer money between your 2 accounts by simply logging into Sharefax-Online.

Where can I find Sharefax’s Routing and Transit Number? – What are all these numbers at the bottom of my checks and what do they mean?

Sharefax’s Routing # is:


How do I use the S.T.A.R. system?

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!

My Debit Card was lost or stolen – Who do I call to let the Credit Union know?

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.

How do I check my Balance/Status of my Sharefax Credit Card?

By phone:

  • Sharefax Credit Card Department at (513)753-2440;
  • Customer Service # at 800-237-6211


When should I expect my Social Security payments to be in my account?

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/*

How many free ATM Inquiries are permitted within each month?

You are allowed 4 free ATM Inquiries each month.

Will my checks be returned to me at the end of each month?

No; your checks will not be returned to you. 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. You can also log in to Sharefax-Online and click on your checking account and click on the check link (on the date the check cleared) which is listed on the Transaction Details page.

What does S1, S8, etc. mean?

S1 refers to your share savings. S8 refers to your share checking.

What’s a low balance fee?

Your account is charged a $5 low balance fee, when your average daily balance during the month falls below $50.

When will I get my statement?

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.

What’s this finance charge on my loan?

Your finance charge is the interest that you pay to the credit union on your loan, in exchange for us lending you the money.

What’s the difference between available and balance?

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.

Why did I get a NSF fee if my balance is more than enough to cover the item?

Because your available balance at the time of the transaction was not sufficient to cover the item.

If I make a deposit today will you pay the NSF check/ACH and refund my fees?

The funds must be in the account prior to the item being presented.

Why didn’t you post my night drop first before clearing anything off my account?

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.

Why did you take my loan payment out if I already paid it this month?

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.

Are all my bill payments electronic?

Not all bill payments are sent electronically, since some merchants aren’t able to receive electronic payments.

How do I stop my loan payment from transferring out of my account each month?

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.

When will my deposit be in my account?

Direct Deposit is now posted twice a day-once in the morning and once in late afternoon.

Why don’t I get a bill for my loan each month?

Instead of billing you on a monthly basis, we offer you the convenience of a coupon payment book.

Can I change the due date on my loan because I won’t be able to make it on time this month?

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.

Debit Card Fraud

Will the name of my Financial Institution always be spoken to me in an IVR message?

Yes, Sharefax Credit Union is spoken in all IVR messages.

When the cardholder receives an IVR message, what number is displayed on caller ID?

The number displayed is 877-230-3179.

When the cardholder receives an SMS/text message, what number is displayed?

The number displayed is 33748

How often will the Fraud Alert system attempt to contact me if there is no reply to the first message?

The first contact is through a SMS/text message. If there is no response within a certain period of time (usually 15 minutes), then an IVR call is initiated. If there is no response to the IVR, then we will wait approximately one hour and then repeat the sequence above. If the cardholder does not respond after multiple attempts, a letter will be sent via U.S. mail.

Are there costs to the cardholder for receiving SMS/text alerts?

For cardholders that have their mobile service through Verizon, AT&T, T-Mobile, or Sprint, we will send text messages using “Free To End User” texting. As the name implies, there is no costs to the cardholder to receive text messages from these carriers. All other mobile carriers do not support” Free To End User” texting. We will send IVR messages to these mobile devices.

Are there costs to the cardholder for receiving IVR alerts?

In most cases, an IVR message to a landline should be free to the cardholder. If the IVR alert is sent to a mobile device (for example, the cardholder does not have a landline), the IVR call to the cardholder would count against the cardholder’s mobile plan voice call rates.

Are there costs to the cardholder for responding to an alert?

Calls from a landline should be free to the cardholder. Calls from the cardholder’s mobile device would count against his or her mobile plan for voice call minutes.

Sharefax Online

Is Sharefax-Online safe to use over the Internet?

Your financial transactions using Sharefax-Online are protected with VeriSign Digital Encryption.

My PIN won’t work for Sharefax-Online or the S.T.A.R. System – How can I find out what it is or change it?

– 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, you may contact the Credit Union at (513) 753-2440.
– Reset your PIN/Password online at https://myonline.sharefax.org/auth/ForgottenPassword

When I try to log on to Sharefax-Online and it tells me I am not authorized? What is wrong?

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 the account you are trying to access through Sharefax-Online is probably not yet set up.

What is happening when I try to log on to Sharefax-Online and it tells me, “Server is busy there is no available connection”?

Maintenance is being performed to the Sharefax-Online Server at the current time and the server is not allowing users to log on.

When in Sharefax-Online, after I post/submit a transaction, I get the message, “Due to current Host Maintenance, very recent transactions may not appear”

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.

When trying to access Sharefax-Online, I keep getting the error: “HTTP Error 403.4 SSL Required”

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

What do these Errors mean: “HTTP/404 Object not found”

Error 404 is returned when the item your browser is searching for cannot be found. This may be caused by misspelling or possibly a bad link.

Personal Financial Software Assistance

Where can I find help with my personal management software?

Please visit the Personal Management Software Help page for more details.