Make fewer trips, save time AND money by taking advantage of these SELCCU services:

SELCCU Online: Your online access to your account(s), our FREE services, such as Bill Pay, and online applications/forms. You can conduct your transactions, safely and securely, anywhere you have an Internet connection. You can view current account balances, transfer funds between accounts, verify cleared checks and check card activity, and make loan or VISA® payments.

Surcharge-Free ATMs: Through the Alliance One and Credit Union 24 ATM networks, you have access to more than 45,000 ATMs in all 50 states. There are approximately 200 locations in and around Lorain County. Check out our Web site for links to the most up-to-date listing.

Touch-Tone Teller: Check on your accounts any time, no matter where you are. Call 440-324-2445 or 800- 850-4539 to reach SELCCU’s automated account access. You can review your recent transactions and cleared checks, obtain account balances, make loan payments, check withdrawals, transfer funds and more!

Bill Pay: A FREE service that allows you to pay your bills online, track payments and view six months of e-bills and payment history, all from one convenient location. Make electronic payments for your credit cards, utilities, mortgage, even the babysitter. Payments will arrive on time—guaranteed. We use a secure site on the Internet so your information remains safe and private.

Shared Branching: SELCCU is a member of Shared Branching, a network of more than 3,300 credit unions nationwide (nine of which are in and around Lorain County!) You can use a Shared Branching location to make deposits, withdrawals, loan payments or account balance inquiries. Remember to bring your account number(s) and photo I.D. when visiting a Shared Branching location. Our Web site has a link to the nationwide directory.

During your first few weeks at college, avoid credit card solicitors on campus. The free T-shirt may look nice, but you’re better off buying one in the book store … it will end up costing you less. That’s because the “free” T-shirt comes with a credit card bearing high interest rates and hefty annual fees.

Credit cards can help you build a good credit history, provide security in emergencies and give you a sense of responsibility and independence. Experts say it’s best to avoid credit card solicitors on campus. Students who sign up on campus typically carry higher unpaid balances than those who don’t.

A recent Bankrate.com survey reports that credit unions offer the most consumer-favorable terms among student-card issuers. So, before you head off for college, stop by and apply for a SELCCU VISA® Credit Card.

Make SELCCU part of your travel plans with one of our VISA® Credit Cards, a VISA Check Card or a VISA Travel Card. All three are accepted at millions of locations worldwide … wherever you see the VISA logo.

We offer the VISA Classic Credit Card with a low rate of 11.50% APR** and 8.9% APR** for our VISA Gold Credit Card. There are no annual fees or minimum finance charges. Your VISA Check Card enables you to make ATM withdrawals and point-of-sale transactions wherever VISA is accepted. Funds are electronically withdrawn from your Checking Account, so remember to update your check register.

SELCCU also has a prepaid, reloadable VISA Travel Card, a debit card which offers you a convenient alternative to traveler’s cheques or cash. At the time of purchase, you may load $100- $3,000 on the card. Use it for point-of-sale or ATM transactions – just look for the VISA logo. Unlike cash, the travel card can be replaced if lost or stolen. You also may reload the card up to three times with a minimum reload of $100. The fee for each VISA Travel Card is $9.*

Before you take off on your vacation, let us know. VISA notifies us of any activity out of the ordinary. We will try to reach you to verify the transaction, so make sure we have an updated cell phone number and/or e-mail address.