Help Center Topics

Credit & Debit Cards

Fraud Alerts
How does it work?

A text message and/or pre-recorded voice call may be sent to your mobile device when there is a suspicious transaction(s) identified. Simply reply to the text to confirm whether you recognize the transaction(s). If you do not recognize the transaction(s), you will receive a text asking you to call 888-918-7313 for further assistance. There will be a block placed on your card to protect you from further fraud until you call us. If you reply to the text that you recognize the transaction(s), your card will remain available for use.

If you do not reply to the text within 30 minutes, a pre-recorded voice call may be attempted to your mobile device and home number listed on your account. If you receive a pre-recorded call, please listen to the prompts provided to review and respond to the validity of each transaction that is presented during the call. An email will also be sent to the address on file to confirm transactions on the account. You can also call us at any time to validate the transactions or if you have any concerns about the message you received.

What is an SMS text?

SMS stands for Short Message Service and is also commonly referred to as a “text message.” With an SMS, you can send a message of up to 160 characters to another device. Longer messages will automatically be split up into several parts. Most mobile phones support this type of text messaging.

How do I register?

There’s no cost to use the automated fraud alerts service. Southeast Financial pays for all costs associated with sending and delivering the SMS fraud alert messages to your mobile device. This service is provided to you free of charge.

Is this service safe and secure?

Yes! Your security is our priority! Our fraud alert messages will simply ask you to reply Y or N to confirm charges. We will never ask for your account number, card number, PIN number, or any other personal information via

text message. If you ever receive a text message asking for any personal or identifying information, please do not respond. Call Southeast Financial at 800-521-9653 immediately to report the fraudulent text message.

What if I do not have text messaging?
You will still receive automated fraud alerts via phone and email. A text messaging plan is not required but is a great way to receive fraud alerts about your Southeast Financial account.
There are 6 additional help topics in Fraud Alerts available.
Falcon Credit & Debit Card Fraud Monitoring
Do I have to enroll with Falcon to have my card monitored?

No. Falcon monitors all Southeast Financial credit and debit cards for fraudulent activity. No enrollment is required.

Is there a cost for the Falcon monitoring service?

No. All Southeast Financial credit and debit cards are covered by this service at no cost to the cardholder.

What types of transactions are considered suspicious or fraudulent?
Falcon monitors and analyzes transactions and assigns a rating to the transaction. Based on your normal spending patterns, if a questionable transaction is detected on your Southeast Financial debit or credit card, Falcon will contact you to verify the transaction. In some cases, the transaction may be declined at the point of purchase if the fraud rating is high.
How will I be notified if a transaction is considered suspicious or fraudulent?
If fraudulent activity is detected, Falcon will contact you using the primary telephone number we have on file. If there is no answer, a representative from Falcon will leave you a message requesting a call back to verify the suspected transaction. If you miss the phone call, you can contact the Falcon call center at 1-888-918-7313, 24-hours a day, 7 days a week.
How does Falcon verify that they are speaking with the card owner?
Falcon may ask you for information to verify your identity. For example, the last four digits of your Social Security number may be requested. They may also compare the phone number that you call from to see if it matches the phone number that is on file. You'll never be asked for information they already have, like your full account number, PIN or 3-digit code.
There are 6 additional help topics in Falcon Credit & Debit Card Fraud Monitoring available.
Visa Purchase Alerts
What are Purchase Alerts?
Purchase Alerts are messages sent to your email or mobile phone to help you manage and track your signature-based Visa® credit and/or debit card transactions. Alerts provide near real-time notification of transaction activity based on your alert settings. You select from preset alerts and specify the settings for the alerts you want to receive (for example, the option to be notified when a transaction exceeds a specific value). Information in the alert includes the amount of the transaction, the merchant name and location (if available), and the last 4 digits of the Visa card used. Alerts can be sent to an e-mail address or to a mobile phone as an SMS text message
What are the benefits of Purchase Alerts?

The advantages of Purchase Alerts are that they:

  • Let you monitor your card's signature-based purchase transactions in near-real-time
  • Offer you peace of mind by providing timely information that helps you monitor your Visa card for suspicious activity.
  • Give you a tool to help you manage your money.
What type of cards can I enroll in Purchase Alerts?
You can enroll most Visa credit and debit cards. For debit cards, Purchase Alerts are not available for purchases that require you enter a PIN number. You can enroll your card if you’re sharing an account; the primary account holder on the card designates the Purchase Alert settings. Purchase Alerts are available for business credit cards as well.
Can multiple Visa credit cards on one account receive Purchase Alerts? Can two debit cards on the same checking account receive Purchase Alerts? There are 4 additional help topics in Visa Purchase Alerts available.
EMV Chip Cards
What is an EMV Chip card?
EMV chip cards incorporate micro-computer technology, providing increased security capabilities for both card transactions and your information, which is stored in the small metallic square on the front of the cards. EMV technology ensures that you have the most secure and seamless purchasing experience possible and is one of the most effective tools being using to prevent the spread of credit card fraud.
How do I get an EMV Chip card?

You don't need to do anything to upgrade to an EMV credit or debit card.

All non-chip debit cards were reissued with new debit cards containing the EMV chip in early 2016.

All non-chip credit cards will be replaced with credit cards containing the EMV chip as they expire.

If you have a Visa Credit Card, you may request a new card before your current card expires, but you'll need to pay a $10 reissue fee. Otherwise, you'll receive your new card shortly before your existing card expires.

What should I do when I get my new EMV Card?
When you receive your new EMV card, the card number will be different than the number on your old card. It's important that you contact any companies that take automatic payments using your card and ask that they update your account with this new number.

Because your new card will have a new card number, you'll need to call the PIN change line, 1-866-985-2273, to set up your PIN. You may use the same PIN as you used previously with your old card or pick a new one. The choice is yours, but it's important that you call to set it up in order to use your card when a PIN is required.

How do I use an EMV Chip card reader?

Using your EMV Chip card takes 3 simple steps:

  1. Insert your card into the bottom of the card reader.
  2. Follow the on-screen instructions to complete your transaction.
  3. Remove your card from the card reader when prompted.
Why is it more secure to use EMV credit and debit cards for payment transactions?

EMV cards store payment information in a secure chip rather than on a magnetic stripe, and the personalization of EMV cards is done using issuer-specific keys. Unlike a magnetic stripe card, it is virtually impossible to create a counterfeit EMV card that can be used to conduct an EMV payment transaction successfully.

There are 4 additional help topics in EMV Chip Cards available.

Online Banking

Online Banking Registration & Security
What are the requirements for my User Name?

When creating a User Name, be sure it meets these requirements:

  • Must be between six and 20 characters long
  • May be alphabetic or alphanumeric
  • Must not contain any spaces
  • We recommend including one or more of the following special characters for maximum protection: $*_-=.!~@
What are the requirements for my Password?

When creating a Password, be sure it meets these requirements:

  • Must be between six and 32 characters long
  • May be alphanumeric or a combination of letters or numbers and one or more of the following special characters for maximum protection: $*_-=.!~@
  • Must not contain any spaces
  • Cannot match the Username
Why do you need my telephone number?

We use your phone number to send a one-time security code that you'll need in order to complete the registration process. You can choose to receive the code via text or voice message.

Requiring something you know (User Name and Password) and something you have (your telephone) is called multi-factor authentication. This security strategy helps mitigate the risk of fraud, and is in accordance with guidance published by the Federal Financial Institutions Examination Council (FFIEC).

What is multi-factor authentication?

Online Banking technology uses multi-factor authentication to protect your account information. It's a two step sign-on process that makes hacking more difficult, because the hacker would need access to multiple items in order to breach your account.

Continue Reading
Will I need my phone every time I log in to my account?
What are eStatements?
An eStatement is an electronic version of your statement. It provides you an alternate way to receive and store your monthly or quarterly statement from SFCU through Online Banking.
Are eStatements safe?
All security precautions have been taken to ensure the confidentiality of your electronic statement. Logging into Online Banking ensures that viewing your eStatement is safe as every other transaction you make with Southeast Financial.
How do I sign up for eStatements? Will I continue to receive paper statements?
No, your paper statements will stop once you sign-up for eStatements. If you sign up for eStatements by the last business day of the month, your next statement will come electronically
How will I receive eStatements?

After signing up for eStatements, you will receive your first email notification to the email address you specified at the beginning of the following month. You will continue to receive a monthly email notification that your eStatement is available. You will be provided a link to access your eStatement or you can log into Online Banking and click on the eStatements link anytime.

If you have a savings account only, you will only receive statements quarterly (January, April, July, and October), unless you have direct deposit or any other ACH transaction.

There are 7 additional help topics in eStatements available.

Mobile Banking

Remote Deposit
What is Remote Deposit?
Remote Deposit is a free, secure, online banking service that allows eligible Southeast Financial Credit Union (SFCU) members to deposit funds using a scanner and computer, iPhone, or smartphone with an Android operating system, into their SFCU account.
Who is eligible to use Remote Deposit?

Remote Deposit is available to any SFCU member, 18 years of age and older, with an open active account in good standing. A valid email address is also required.

How do I sign up for Remote Deposit? How will I receive notifications about Remote Deposit registration and deposits?

All notifications will be sent to the email address listed under the My Settings link in Online Banking. Please verify that the email address listed is current and correct.

What equipment is needed for Remote Deposit?

The following are the minimum currently supported environments.

For Home Scanning:

  • Windows XP or Vista with Internet Explorer 7+
  • Windows XP or Vista with Firefox 2+
  • Mac OS X 10.6 with Safari 3+ (must be run in 32-bit mode)
  • Mac OS X 10.6 with Firefox 2+
  • TWAIN-compliant document scanner

Note:To find out if your scanner is compliant, refer to the documentation that was supplied with the scanner. For help with your scanner, log in to your SFCU Online Banking account and click on the Remote Deposits link. Then click on “Help with Scanners and Drivers” near the bottom of the screen.)

Note: The recommended version of the browsers listed above are Internet Explorer 8, Firefox 3, and Safari 3.1.

For Mobile Devices:

  • For iPhone, the free SFCU app, available through the App Store.
  • For Android phones, the free SFCU app, available through the Google Play Store.
There are 11 additional help topics in Remote Deposit available.


Your Property
What types of things will an underwriter look for when they review the appraisal?
In addition to verifying that your home's value supports your loan request, we'll also verify that your home is as marketable as others in the area. We'll want to be confident that if you decide to sell your home, it will be as easy to market as other homes in the area.

We certainly don't expect that you'll default under the terms of your loan and that a forced sale will be necessary, but as the lender, we'll need to make sure that if a sale is necessary, it won't be difficult to find another buyer.

We'll review the features of your home and compare them to the features of other homes in the neighborhood. For example, if your home is on a 20-acre lot, or has a large accessory building, we'll want to make sure that there are other homes in the area on similar size lots or with similar outbuildings. It is hard to place a value on such unique features if we can't see what other buyers are willing to pay for them. In some areas, additional acreage or outbuildings could actually be a detriment to a future sale. Finding comparable properties can be more challenging in rural areas where it is more difficult to find homes that have similar features.

We'll also make sure that the value of your home is in the same range as other homes in the area. If the value of your home is substantially more than other homes in the neighborhood, it could affect the market acceptance of the home if you decide to sell.

We'll also review the market statistics about your neighborhood. We'll look at the time on the market for homes that have sold recently and verify that values are steady or increasing.
Will I get a copy of the appraisal?
As soon as we receive your appraisal, we'll update your loan with the estimated value of the home. We will promptly give you a copy of any appraisal, even if your loan does not close.
Are there any special requirements for condominiums?
Since the value and marketability of condominium properties is dependent on items that don't apply to single-family homes, there are some additional steps that must be taken to determine if condominiums meet our guidelines.

One of the most important factors is determining if the project that the condominium is located in is complete. In many cases, it will be necessary for the project, or at least the phase that your unit is located in, to be complete before we can provide financing. The main reason for this is, until the project is complete, we can't be certain that the remaining units will be of the same quality as the existing units. This could affect the marketability of your home.

In addition, we'll consider the ratio of non-owner occupied units to owner-occupied units. This could also affect future marketability since many people would prefer to live in a project that is occupied by owners rather than renters.

We'll also carefully review the appraisal to insure that it includes comparable sales of properties within the project, as well as some from outside the project. Our experience has found that using comparable sales from both the same project as well as other projects gives us a better idea of the condominium project's marketability.

Depending on the percentage of the property's value you'd like to finance, other items may also need to be reviewed.
I'm purchasing a home, do I need a home inspection AND an appraisal?
Both a home inspection and an appraisal are designed to protect you against potential issues with your new home. Although they have totally different purposes, it makes the most sense to rely on each to help confirm that you've found the perfect home.

The appraiser will make note of obvious construction problems such as termite damage, dry rot or leaking roofs or basements. Other obvious interior or exterior damage that could affect the salability of the property will also be reported.

However, appraisers are not construction experts and won't find or report items that are not obvious. They won't turn on every light switch, run every faucet or inspect the attic or mechanicals. That's where the home inspector comes in. They generally perform a detailed inspection and can educate you about possible concerns or defects with the home.

Accompany the inspector during the home inspection. This is your opportunity to gain knowledge of major systems, appliances and fixtures, learn maintenance schedules and tips, and to ask questions about the condition of the home.
I've heard that some lenders require flood insurance on properties. Will you?

Federal Law requires all lenders to investigate whether or not each home they finance is in a special flood hazard area as defined by FEMA, the Federal Emergency Management Agency. The law can't stop floods. Floods happen anytime, anywhere. But the Flood Disaster Protection Act of 1973 and the National Flood Insurance Reform Act of 1994 help to ensure that you will be protected from financial losses caused by flooding.

We use a third party company who specializes in the reviewing of flood maps prepared by FEMA to determine if your home is located in a flood area. If it is, then flood insurance coverage will be required, since standard homeowner's insurance doesn't protect you against damages from flooding.

There are 2 additional help topics in Your Property available.
Your Application
Can I apply for a loan before I find a property to purchase?

Yes, applying for a mortgage loan before you find a home may be the best thing you could do! If you apply for your mortgage now, we'll issue an approval subject to you finding the perfect home. You can use the pre-approval letter to assure real estate brokers and sellers that you are a qualified buyer. Having a pre-approval for a mortgage may give more weight to any offer to purchase that you make.

When you find the perfect home, you'll simply call your Loan Officer to complete your application. You'll have an opportunity to lock in our great rates and fees then and we'll complete the processing of your request.

What is a credit score and how will my credit score affect my application?
A credit score is one of the pieces of information that we'll use to evaluate your application. Financial institutions have been using credit scores to evaluate credit card and auto applications for many years, but only recently have mortgage lenders begun to use credit scoring to assist with their loan decisions.

Credit scores are based on information collected by credit bureaus and information reported each month by your creditors about the balances you owe and the timing of your payments. A credit score is a compilation of all this information converted into a number that helps a lender to determine the likelihood that you will repay the loan on schedule. The credit score is calculated by the credit bureau, not by the lender. Credit scores are calculated by comparing your credit history with millions of other consumers. They have proven to be a very effective way of determining credit worthiness.

Some of the things that affect your credit score include your payment history, your outstanding obligations, the length of time you have had outstanding credit, the types of credit you use, and the number of inquiries that have been made about your credit history in the recent past.

Credit scores used for mortgage loan decisions range from approximately 300 to 900. Generally, the higher your credit score, the lower the risk that your payments won't be paid as agreed.

Using credit scores to evaluate your credit history allows us to quickly and objectively evaluate your credit history when reviewing your loan application. However, there are many other factors when making a loan decision and we never evaluate an application without looking at the total financial picture of a customer.
Will the inquiry about my credit affect my credit score?
An abundance of credit inquiries can sometimes affect your credit scores since it may indicate that your use of credit is increasing.

But don't overreact! The data used to calculate your credit score doesn't include any mortgage or auto loan credit inquiries that are made within the 30 days prior to the score being calculated. In addition, all mortgage inquiries made in any 14-day period are always considered one inquiry. Don't limit your mortgage shopping for fear of the effect on your credit score.
Will I be charged any fees if I authorize my credit information to be accessed?
There is no charge to you for the credit information we'll access with your permission to evaluate your application online. You will only be charged for a credit report if you decide to complete the application process after your loan is approved.
Are we right for you?
Whether you're purchasing or refinancing, we're certain you'll find our service amazing!

If you'll be purchasing but haven't found the perfect home yet, complete our application and we'll issue an approval for a mortgage loan now with no obligation!
There are 20 additional help topics in Your Application available.
Loan Programs, Rates & Fees
How are interest rates determined?
Interest rates fluctuate based on a variety of factors, including inflation, the pace of economic growth, and Federal Reserve policy. Over time, inflation has the largest influence on the level of interest rates. A modest rate of inflation will almost always lead to low interest rates, while concerns about rising inflation normally cause interest rates to increase. Our nation's central bank, the Federal Reserve, implements policies designed to keep inflation and interest rates relatively low and stable.
What is an adjustable rate mortgage?
An adjustable rate mortgage, or an "ARM" as they are commonly called, is a loan type that offers a lower initial interest rate than most fixed rate loans. The trade off is that the interest rate can change periodically, usually in relation to an index, and the monthly payment will go up or down accordingly.

Against the advantage of the lower payment at the beginning of the loan, you should weigh the risk that an increase in interest rates would lead to higher monthly payments in the future. It's a trade-off. You get a lower rate with an ARM in exchange for assuming more risk.

For many people in a variety of situations, an ARM is the right mortgage choice, particularly if your income is likely to increase in the future or if you only plan on being in the home for three to five years. Continue Reading
Should I pay origination points in exchange for a lower interest rate?
Origination points are considered a form of interest. Each point is equal to one percent of the loan amount. You pay them, up front, at your loan closing in exchange for a lower interest rate over the life of your loan. This means more money will be required at closing, however, you will have lower monthly payments over the term of your loan.

To determine whether it makes sense for you to pay origination points, you should compare the cost of the origination points to the monthly payments savings created by the lower interest rate. Divide the total cost of the origination points by the savings in each monthly payment. This calculation provides the number of payments you'll make before you actually begin to save money by paying origination points. If the number of months it will take to recoup the origination points is longer than you plan on having this mortgage, you should consider the loan program option that doesn't require origination points to be paid.
Is comparing APRs the best way to decide which lender has the lowest rates and fees?

The Federal Truth in Lending law requires that all financial institutions disclose the APR when they advertise a rate. The APR is designed to present the actual cost of obtaining financing, by requiring that some, but not all, closing fees are included in the APR calculation. These fees in addition to the interest rate determine the estimated cost of financing over the full term of the loan. Since most people do not keep the mortgage for the entire loan term, it may be misleading to spread the effect of some of these up front costs over the entire loan term.

Also, unfortunately, the APR doesn't include all the closing fees and lenders are allowed to interpret which fees they include. Fees for things like appraisals, title work, and document preparation are not included even though you'll probably have to pay them.

For adjustable rate mortgages, the APR can be even more confusing. Since no one knows exactly what market conditions will be in the future, assumptions must be made regarding future rate adjustments.

You can use the APR as a guideline to shop for loans but you should not depend solely on the APR in choosing the loan program that's best for you. Look at total fees, possible rate adjustments in the future if you're comparing adjustable rate mortgages, and consider the length of time that you plan on having the mortgage.

Don't forget that the APR is an effective interest rate--not the actual interest rate. Your monthly payments will be based on the actual interest rate, the amount you borrow, and the term of your loan.

How do I know if it's best to lock in my interest rate or to let it float?

Mortgage interest rate movements are as hard to predict as the stock market and no one can really know for certain whether they'll go up or down.

If you have a hunch that rates are on an upward trend then you'll want to consider locking the rate as soon as you are able. Before you decide to lock, make sure that your loan can close within the lock-in period. It won't do any good to lock your rate if you can't close during the rate lock period. If you're purchasing a home, review your contract for the estimated closing date to help you choose the right rate lock period. If you are refinancing, in most cases, your loan could close within 30 days. However, if you have any secondary financing on the home that won't be paid off, allow some extra time since we'll need to contact that lender to get their permission.

If you think rates might drop while your loan is being processed, take a risk and let your rate "float" instead of locking. After you apply, you can lock in by contacting your Loan Officer by telephone.

There are 7 additional help topics in Loan Programs, Rates & Fees available.
Closing & Beyond
What happens at the loan closing?
The closing will take place at the office of a title company or attorney in your area who will act as our agent. If you are purchasing a new home, the seller may also be at the closing to transfer ownership to you, but in some states, these two events actually happen separately.

During the closing you will be reviewing and signing several loan papers. The closing agent or attorney conducting the closing should be able to answer any questions you have or you can feel free to contact your Loan Officer if you prefer.

Just to make sure there are no surprises at closing, your Loan Officer will contact you a few days before closing to review your final fees, loan amount, first payment date, etc. Continue Reading
Will I need to have an attorney represent me at closing?
In some areas of the country it is very customary, and sometimes required by law, to have an attorney represent you at the closing. In other areas, attorneys are not as common at a real estate closing. Please contact the closing agent if you have questions about attorney representation. By all means, we recommend that you have an attorney at the closing if it would make you more comfortable. If your attorney has any questions about your new mortgage, please refer them to your Loan Officer. We'd be happy to provide any information necessary.
Can I get advanced copies of the documents I will be signing at closing?
The most important documents you will sign at closing are the note and mortgage, sometimes called the deed of trust. Unless there are special circumstances, these documents are usually prepared one to two days before your closing. Other documents are prepared by the closing agent the day before or the day of your closing. If you would like copies of the completed documents to be sent to you after they are prepared, please contact your Loan Officer.
Who will be at the closing?
The closing agent acts as our agent and will represent us at the closing. However, your personal Loan Officer will contact you prior to closing to talk about your final documents and to provide a final breakdown of your closing fees. If you have any questions that the closing agent can't answer during the closing, ask them to contact your Loan Officer by phone and we'll get you the answers you need - before the closing is over!
I won't be able to attend the closing. What other options are there?
If you won't be able to attend the loan closing, contact your Loan Officer to discuss other options. If someone you trust is able to attend on your behalf, you can execute a Power of Attorney so that this person can sign documents on your behalf. In other cases, we're able to mail you the documents in advance so that you can sign them and forward them to the closing agent. We're sure to have a solution that will work in your circumstances.
There are 2 additional help topics in Closing & Beyond available.
NMLS Numbers
What is my loan officer's NMLS Number?

As of Aug. 1, 2011, the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) requires all mortgage loan originators of federally regulated lending institutions to register with the Nationwide Mortgage License System and Registry (NMLS Registry). All Southeast Financial mortgage loan officers are registered and have been assigned a unique identification number. This number will stay with them throughout their career.

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Understanding Reg D

What is Reg D?

Regulation D limits the number of certain types of transactions on all savings and money market accounts. In other words, all financial institutions are required by regulation to treat all types of transactions differently than a checking account. Savings accounts (non-transaction accounts) are intended to be established for long-term savings with few withdrawals while checking accounts (transaction accounts) are intended to be established for day-to-day use. Checking accounts do not fall under Reg D and there is no monthly limit to automated transfers or withdrawals on them, so this notice does not apply to checking accounts.

Each Southeast Financial savings or money market account is allowed no more than six (6) “Reg D” withdrawals per calendar month from a savings/money market account.

Important Notice: On April 24, 2020, the Federal Reserve Board announced an interim final rule to amend Regulation D (Reserve Requirements of Depository Institutions) to delete the six-per-month limit on convenient transfers from savings accounts. The interim final rule allows financial institutions to immediately suspend enforcement of the six transfer limit and to allow their members/customers to make an unlimited number of convenient transfers and withdrawals from their savings accounts at a time when financial events associated with the coronavirus pandemic have made such access more urgent. We have removed the limit and will update you with any changes.

What accounts are affected by Reg D?
  • Primary Membership Savings Accounts
  • Secondary Savings Accounts
  • Money Market Accounts
  • Christmas Club Accounts

Important Notice: On April 24, 2020, the Federal Reserve Board announced an interim final rule to amend Regulation D (Reserve Requirements of Depository Institutions) to delete the six-per-month limit on convenient transfers from savings accounts. The interim final rule allows financial institutions to immediately suspend enforcement of the six transfer limit and to allow their members/customers to make an unlimited number of convenient transfers and withdrawals from their savings accounts at a time when financial events associated with the coronavirus pandemic have made such access more urgent. We have removed the limit and will update you with any changes.

What transactions are subject to Reg D?
  • Point of Sale (POS) debit card transactions: Transactions made from a savings account using a debit card at a retail merchant.
  • Audio Response (PAL) Transfers or Online Banking Transfers: Transfers from a savings account to another savings or checking account using PAL or Online Banking.
  • Overdraft Protection: Transfers made from a savings account to a checking account to cover an item, such as a check, pre-authorized debit, or a transaction initiated at an ATM or POS.
  • ACH Debits: A pre-authorized payment from a savings account to pay a third-party item (i.e. auto insurance, electric bill).
  • Employee Assisted Transfers: A phone request by a member to any of our employees to perform a transfer transaction from a savings account.

Important Notice: On April 24, 2020, the Federal Reserve Board announced an interim final rule to amend Regulation D (Reserve Requirements of Depository Institutions) to delete the six-per-month limit on convenient transfers from savings accounts. The interim final rule allows financial institutions to immediately suspend enforcement of the six transfer limit and to allow their members/customers to make an unlimited number of convenient transfers and withdrawals from their savings accounts at a time when financial events associated with the coronavirus pandemic have made such access more urgent. We have removed the limit and will update you with any changes.

What transactions are not affected by Reg D?
  • Deposits
  • ATM cash withdrawals & transfers
  • In-person withdrawals & transfers
  • Any transaction from a checking account which does not necessitate an overdraft transfer from a savings account
  • Transfers to make Southeast Financial loan payments
  • Overdraft protection for a checking account made from a line of credit
  • Withdrawal or transfer requests made by mail if made payable to and mailed to the member

Important Notice: On April 24, 2020, the Federal Reserve Board announced an interim final rule to amend Regulation D (Reserve Requirements of Depository Institutions) to delete the six-per-month limit on convenient transfers from savings accounts. The interim final rule allows financial institutions to immediately suspend enforcement of the six transfer limit and to allow their members/customers to make an unlimited number of convenient transfers and withdrawals from their savings accounts at a time when financial events associated with the coronavirus pandemic have made such access more urgent. We have removed the limit and will update you with any changes.

What happens when the Reg D limit is reached for the month?
  • Point of Sale (POS) debit card transactions: Additional authorization requests will be rejected.
  • Audio Response (PAL) Transfers or Online Banking Transfers: Your request will be rejected.
  • Overdraft Protection: Funds will not be automatically transferred from your savings account to pay an item if there are insufficient funds in your checking account to cover the amount of the item. Your item will be returned unpaid and an NSF fee will be charged to your account.
  • ACH Debits: Your ACH debit will be returned unpaid and an NSF fee will be charged to your account.
  • Employee Assisted Transfers: You will be informed that your limit has been reached and your request cannot be processed at that time.

Important Notice: On April 24, 2020, the Federal Reserve Board announced an interim final rule to amend Regulation D (Reserve Requirements of Depository Institutions) to delete the six-per-month limit on convenient transfers from savings accounts. The interim final rule allows financial institutions to immediately suspend enforcement of the six transfer limit and to allow their members/customers to make an unlimited number of convenient transfers and withdrawals from their savings accounts at a time when financial events associated with the coronavirus pandemic have made such access more urgent. We have removed the limit and will update you with any changes.

There are 1 additional help topics in Understanding Reg D available.


What is EFTPS

The Electronic Federal Tax Payment System (EFTPS) is a free service from the U.S. Department of the Treasury. EFTPS is a convenient way to make federal tax payments online or by phone, 24/7.

EFTPS is secure and easy to use - enabling you to schedule your payments in minutes.
Businesses can schedule payments once the liability is determined up to 120 days in advance.
Individuals can schedule estimated payments up to 365 days in advance.

How do I enroll?

1. Gather the following information:

  • Taxpayer Identification Number (Employer Identification Number or Social Security Number)
  • Bank account number and routing number
  • Address and name as they appear on your IRS tax documents

2. Visit

  • Select the Enrollment tab
  • Select Business or Individual
  • Enter the requested information and Submit

3. Get your temporary Internet password

After you receive your PIN, call 1-800-982-3526 to get a temporary Internet password.

How do I make a tax payment using EFTPS?

Payments must be scheduled at least one calendar day prior to the tax due date (before 8:00 p.m. ET). Remember, you can use EFTPS to make all federal tax payments and to review up to sixteen months of your tax payment history.


  1. Visit
  2. Select "Make a Payment."
  3. Log in with your EIN/SSN/PIN and Internet password.*
  4. Enter the payment information in the step-by-step screens.
  5. When you're finished, save a copy of the payment Confirmation page.**

By Phone:

  1. Call 1-800-555-3453.
  2. Enter your EIN/SSN and PIN.
  3. Press 1 to make a payment.
  4. Follow the prompts to complete your payment.
  5. Record your EFT Acknowledgment Number.

*For your added security, the first time you visit, you will be prompted to change this password.
**This contains your EFT Acknowledgment Number that acts as a receipt for your payment instruction.

Using a Tax Professional?
If a payroll company, accountant, or other third party makes any federal tax payments for you, be sure to review this information with that entity.
Additional questions?
EFTPS Customer Service for Individuals 1-800-316-6541 | EFTPS Customer Service for Businesses 1-800-555-4477.

Wire Transfers

What is a wire transfer?

A wire transfer is a type of electronic payment service for transferring funds between financial institutions by wire through the Federal Reserve, the Society for Worldwide Interbank Financial Telecommunications (SWIFT) network, or the Clearing House Interbanks Payment System (CHIPS).

What information do I need to send a wire transfer?

Member Information

  • Name
  • Account Number
  • Phone Number
  • Purpose of Wire

Financial Institution Information

  • Name
  • ABA/Routing Number
  • SWIFT or Sort Code*
  • City and State
  • Intermediary Bank (if applicable)

Payee Information

  • Name
  • Address
  • Account Number
  • Any Additional Instructions

Money Transfer Information

  • Transfer Amount
  • Currency*

*Needed for International Wires only

How do I submit a wire transfer?


Call 615-743-3700 or 800-521-9665 to initiate a transfer by phone.


Visit your nearest branch to initiate a transfer in person.

How much does it cost to send wire transfer?

There is a $20 fee for any wire transfers within U.S. states and territories.

There is a $55 fee for any funds wired overseas.

What is the daily deadline for submitting wire transfers?

2:00pm CST

10:30am CST

There are 8 additional help topics in Wire Transfers available.