Knowledge base

FAQs:

Security Page 1
Do I have to close my accounts if I move out of state? 1
Can I make ATM deposits? 1
Can I mail a check for deposit into my account? 1
How do I check my account balance? 1
How long does it take to verify a deposit? 1
What is your mailing address? 1
What is ChexSystems? 1
What are the current rates and fees? 1
Why did my check bounce when I had money in my account? 1
How can I sign up for direct deposit? 1
What is the fee for a cashier checks? 1
What is the difference between an insufficient funds fee and an uncollected funds fee? 1
Are you a full service financial institution? 1
Can you get me a copy of my credit report? 1
How do I re-order checks? 1
What does encryption mean? 1
How do I transfer money into a different account? 1
What are the overdraft fees? 1
How do you determine exchange rates for foreign transactions? 1
Why do you pull credit for new account application? 1
Can I change insurance companies for my homeowner's policy? Do I need to notify you? 1
What is a credit union? 1
What are your hours? 1
How do I change my name, address, or any other contact information? 1
Do you offer Health Savings Accounts? 1
How do I get a copy of my statement? 1
How can I submit a secure email? 1
How much will it cost to make a stop payment on a check? 1
What is 128-bit encryption? 1
What is the difference between balance and available balance? 1
Why did I receive a call from Fraud Prevention Center? 1
Is my account information available 24 hours a day? 1
How many accounts does H-E-B Federal Credit Union allow me to have? 1
What is my account number? 1
Are there a minimum number of deposits I have to make into a checking/savings account per month? 1
Where are your ATMs located? 1
Do you have any deals for first time home buyers? 1
How do credit unions differ from banks? 1
Do you offer a foreign currency exchange service? 1
What are cookies? 1
What is the Truth-In-Lending Act? 1
Do you offer an automated phone service that can verify a check amount? 1
If someone transfers money into my account, can they see my account balance? 1
Can I deposit coins? 1
Can anyone join the credit union? 1
What are some advantages of being a member of a credit union? 1
What is your routing number? 1
What time does my direct deposit post on pay day? 1
How are my taxes paid? 1
How long will it take to receive a vehicle title when a member pays their auto loan off? 1

IRA

IRA Accounts 1
What happens to my Traditional IRA if I die? 1
What is an IRA? 1
What types of IRAs do you offer? 1

Electronic Services

How do I endorse a check for mobile deposit? 1
E-Statements 1
Forgot password 1
Net Branch 1
Mobile App 1
Can I use any computer to access NetBranch Online Banking? 1
How do I deposit checks from the mobile app? 1
Don’t have access to mobile banking yet? 1
How do I obtain login credentials for my Mobile Banking app? 1
What do I need in order to begin using NetBranch Online Banking? 1
How do I sign up for NetBranch Online Banking? 1
How do I register for Mobile Banking? 1
How do I sign up to receive E-statements? 1
What do I do if I forgot my NetBranch Online Banking Password? 1
Do I need to receive paper statements, or can I get my statements electronically? 1
Are connections to third party sites secure through the website? 1
How much does it cost to use NetBranch Online Banking? 1
Is there a monthly fee for NetBranch Online Banking and Bill Pay? 1
What information do I need to register for Mobile Banking? 1
How can I make a loan payment to another financial institution using NetBranch Online Banking? 1
How can I verify that my Online Banking transactions were successful? 1
What is an E-statement? 1
What types of accounts can be viewed with Online Banking? 1
Can I set up my NetBranch Online Banking to automatically deduct my loan payment? 1
How do I change my NetBranch Online Banking password? 1
Can I get a printout of my statement over the Internet? 1
How long will funds transferred via Mobile Banking be made available? 1
Where is my electronic statement? 1
Why do I keep getting locked out of NetBranch Online Banking? 1
How do I sign in to Online Banking? 1
What do I do If I have been locked out of my NetBranch Online Banking? 1
How do I log off of Online Banking? 1
Which accounts can be viewed with the Mobile Banking app? 1
How can I activate my Android or iPhone app? 1
Where can I access/print tax forms online? 1

Plastic Cards

Does HEBFCU protect my debit card from fraud? 1
What should I do if I am out of town and my credit or debit card is declined and I know that the funds are available? 1
How do I order a new debit card? 1
Why are my debit transactions being denied so often? 1
What do I do if my personal identification number (PIN) does not work? 1
What do I do if the ATM does not dispense the money I asked for and the funds have been deducted from my account? 1
How much does it cost to replace my debit card? 1
What is the difference between a Credit Card and a Debit Card? 1
What is my PIN for my debit card? 1
What's the difference between a debit card and an ATM card? 0
Can I select my own PIN for my debit card? 1
Can I use my debit card while traveling internationally? 1
What do I do if I lost my Debit/Credit Card? 1
Who do I call if my card is restricted? 1
How do I activate my debit card? 1
My card is being denied at the merchant, what do I do? 1
I am receiving an error message at the ATM; what does that mean? 1
How do I change my personal identification number (PIN) for my debit card? 1

Loans

Can my Line of Credit be used for overdraft protection? 1
Can I set up weekly payments for my Line of Credit? 1
How do I know how much to pay each month on my loan payment? 1
Since the balance on a Line of Credit fluctuates, how is my payment calculated? 1
Apply Online - Loan 1
Line of Credit 1
Loans Page 1
Home Equity 1
Apply for auto loan 1
Boat and RV 1
Auto Loans 1
Loan rates 1
Do you finance helicopters? 1
Do you offer payday loans? 1
What are the current auto loan rates? 1
Can I make my loan payment over the phone? 1
I noticed an error on my credit report for a H-E-B Federal Credit Union loan. What should I do? 1
Do I have to buy from an auto dealer? 1
Do you have loans for motorcycles? 1
If I have poor credit, can I qualify for an auto loan? 1
Do you offer debt consolidation loans? 1
Can I apply for an auto loan if I have not found the car I want yet? 1
Can I make my loan payment online? 1
How long does a loan approval take? 1
How can I qualify for a loan? 1
What is my loan payoff amount? 1
How do I apply to refinance my auto loan? 1
Do you offer VA or FHA loans? 1
Do you offer student loans? 1
Do you offer business loans? 1
How do I check the status of a loan application? 1
What insurance requirements do you have for auto loans? 1
Can my loan be paid off by a third party? 1
Do I get credit if the payoff balance is less than the GAP insurance is willing to pay? 1

Wires

Wire Transfer Page 1
Wire Transfer 1
What is the fee for sending domestic wire transfers? 1
How do I send or receive wire transfers? 1

Checking Accounts

Reorder Checks 1
Checking Options 1
Overdraft Protection 1
Checking Page 1
Basic Checking 1
Classic Checking 1
Premier Checking 1
What is CardValet? 1
What is Courtesy Pay? 0
Can I order checks from any company or does it have to be through your vendor? 1
I have a negative balance in my Checking Account. What should I do? 1
What should I do about missing checkbooks? 1
What happens if I deposit a check and it bounces? 1
What is a post-dated check? 1
Do I have to pay a fee to cash a check in a H-E-B Federal Credit Union branch if I do not have an account? 1
How can I get a copy of a canceled (cleared) check? 1
I wrote a check and it cleared for a larger amount than what I wrote it. Why? 1
Is there a minimum balance required for a checking account? 1

Savings Accounts

Deposit rates 1
Saving for retirement 1
Funds Availability 1
Savings Options 1
What is the current interest rate for a savings account? 1

Mortgage

Mortgage offering 1
Should I get pre-approved before buying a home? 1
Apply for a Mortgage 1
What is an escrow account? 1
Do you offer Home Improvement loans? 1
Can I be notified when mortgage/refinance rates are updated? 1
Can I pay my own real estate taxes and homeowner's insurance? 1
What is Freddie Mac? 1
What is a Town House? 1
How much will it cost me to refinance my first mortgage? 1
How do I apply to refinance my home equity loan? 1
Do I need to send you a copy of my tax bill? 1
What is a Mortgage Loan? 1
Do I need to provide you with proof of my Homeowner's Insurance? 1
What are the closing costs for my mortgage? 1
Third Party Fees include: 1
Can I roll my closing cost fees into my loan? 1
What is a Mortgage Note? 1
Are there closing costs associated with a Home Equity Loan or Home Equity Line-of-Credit? 1

Credit Cards

Credit Card Options 1
Platinum MasterCard 1
How can I send credit card payments? 1
Gold MasterCard 1
What types of credit cards do you offer? 1
How do I make credit card payments online? 1
How can I apply for a credit card online? 1

About Us

Contact Us 1
Holiday Calendar 1
Career page 1
Security Page 1
Finance Guide 1
Locations 1
ATM Locator 1
Fees 1
ATM Locator Page 1
How late are you open? 1
Who owns a credit union? 1
Do you offer a notary service? 1
How is my money insured? 1
What are your locations? 1
Is the credit union insured by the Federal Deposit Insurance Corp. (FDIC), like banks and thrifts? 1
How is a credit union governed? 1
What holidays will you be closed? 1
What is your contact information? 1

Bill Pay

Bill Pay 1
How do I cancel Bill Pay? 1
How do I add a payee in Bill Pay? 2
Is there a monthly fee for NetBranch Online Banking and Bill Pay? 1
How much does it cost to use Bill Pay? 1
How do I apply for Bill Pay? 1
How do I set up automatic Bill Payment using NetBranch Online Banking, so the money is taken out the same time each month? 1
How secure is Bill Pay? 1

Shared Branch

Shared Branch 1
What transactions can H-E-B Federal Credit Union members perform at the shared branches? 1
What is a shared branch network? 1
What are the hours of the shared branches? 1
Where are the Shared Branch Locations? 1
Is it possible to make deposits at other credit unions and have it credited to my accounts? 1
Can I use H-E-B Federal Credit Union as a shared branch? 1

Insurance Products

What insurance products do you offer? 1

Rates

What are the current Term Share Certificate (CD) rates? 1
Can I be notified when mortgage/refinance rates are updated? 0
What are the current share (savings) rates? 1

General Information

Finance Guide 1
Do you have a list of foreclosed homes? 1
Direct Deposit 1
Who owns a credit union? 1
Are connections to third party sites secure through the website? 1

Careers

Where can I get information about career opportunities? 1

Fees

Is there a fee for money orders? 1
What are the Debit Card fees? 1
Are there any service fees for ATM withdrawals? 1

Contact Us

Have A Question? Let Us Help! 1