Voice Response

24-Hour Telephone Transactions

Voice Response is a free phone service available to all Members. It allows you unlimited access to your accounts with any touchtone phone.

Call locally 320-252-8741 or toll-free 1-888-252-2634 to use the service.

When you call Voice Response, the automated voice will guide you through your transactions as you enter specific codes. Don't worry about making a mistake because Voice Response will ask you to verify your transaction before any posting is finalized.

How To Get Started

Enter your Member number (For example, enter 12340, not 12324-001), and then press the # key.

PIN/Password Selection

• The first time you access Voice Response, you will enter the Social Security Number of the Primary Member on the account.
• You will then be instructed to select a Personal Identification Number (PIN) / Password, which you may want to record and keep in a secure place. You are the only one who knows your PIN / Password. A PIN / Password needs to be at least 4 digits and no more than 10 digits long. You may change your PIN / Password at any time.

Account Types

Please refer to your member statement or daily receipts for your specific account types. In Voice Response, you can press 0# and all your accounts will be listed, including those with zero balances.

Codes for the most common account types:

• Primary Savings - S1
• Regular Checking - S6
• Dividend Checking - S9
• Prestige Checking - S10
• Checking Overdraft - L60

Fees
There is NO charge to use this service. Any other fee charges are in accordance with our current fee schedule, such as those for statement copy, stop payment, etc.

First Menu Option

Press 2 - To Use the Voice Response System
Press 9 - To transfer to a Member Service Representative
Press * - To end your call (or simply hang up)

Shortcuts
* . . . (asterisk) will help you escape from an option and return you to the previous menu

# . . . (pound symbol) will enter or verify information

Remember -- you can press the asterisk key ( * ) any time to go back to the previous menu.

Note: Occasionally, from the hours of Saturday midnight to Sunday 8 a.m., Voice Response may not be available, due to system maintenance.

When you press 2:

Voice Response System
When prompted, enter your Member number, followed by the # sign.
Then, when prompted, enter your password, followed by the # sign.

---

MAIN MENU

(Note: Each main option may have additional sub-menu options.)

Press 1 - Inquiries (See Inquiry Menu below for more details.)

Press 2 - Transfer Funds

1. To another account
2. To a different Member's account
3. From a joint account
4. From a joint account to another joint account

Transfers for MasterCard are not available.

Press 3 - Withdraw Funds
Note: Checks are made payable to the primary Member and will be mailed to the address on file at the credit union.

1. To request a check for yourself
2. Withdrawals made

Press 4 - Other Services

1. To change password
2. Estimate a loan payment
3. Report lost or stolen ATM card (not Debit Card).
4. Report lost or stolen credit card

Press 6 - Joint Member Inquiries
Enter joint account Member number, followed by the # sign.

1. Specific account information on a joint Member's account.
2. 2 - Cleared check information on a joint Member's account.
3. 3 - Deposit information on a joint Member's account.
4. 4 - Withdrawal information on a joint Member's account.
5. 5 - Specific check iformation on a joint Member's account.

Press 7 - Loan Services

1. Estimate a loan payment
2. Apply for a new loan by phone.

---

INQUIRY MENU

(Option 1 on Main Menu)

Press 1 - Specific Account Information

Press 2 - Account Balances

1. Savings/checking balances
2. Loan balances
3. Certificate balances
4. All account balances

Press 3 - Cleared Checks, Deposits, and Withdrawals

1. Cleared check information
2. Deposits made
3. Withdrawals made - includes Debit Card clearings
4. For specific check information
5. All transaction history

Press 4 - Interest and Dividend Information

1. Interest and dividends for this year on an account
2. For date and amount of the last dividend paid
3. Interest and dividends for last year on an account

Press 5 - Loan Information

1. Loan payment information
2. Loan payoff information

Press 6 - Tax Information

1. For interest, dividends, and tax withholding for this year
2. For interest, dividends, and tax withholding for last year

Your current account history is available up-to-the-minute in Online Banking, a service of St. Cloud Federal Credit Union. Using Online Banking is the best way to check on balances and transactions (i.e., to determine which checks have cleared, to determine if a direct deposit been credited, etc.).

---

Agreement for VOICE RESPONSE I understand I can only use Voice Response with a Personal Identification Number (PIN), which I must select the first time I use Voice Response. I am responsible for the safekeeping of my PIN and for all transactions. By using Voice Response and selecting my PIN, I am agreeing to the terms of Voice Response set forth by St. Cloud Federal Credit Union. It is my understanding that my PIN may be used to perform certain account inquiries and/or transers from remote locations using a touch-tone service telephone and for such other transactions as may become available. I will notify St. Cloud Federal Credit Union immediately and send written confirmation of any loss or theft of my PIN. I understand that if I disclose my PIN to another person, whether it is through intentional, accidental, or negligent action, I am responsible for any such transactions.

I accept liability for all transactions made by myself, joint account owners, or anyone else to whom I might give my PIN. I waive all present & future claims against the St. Cloud Federal Credit Union and release the St. Cloud Federal Credit Union from all responsibility for loss or damage not caused by St. Cloud Federal Credit Union's negligence, which I might incur through unauthorized transactions of any kind from my account(s) through the custody and use of my PIN.

I understand St. Cloud Federal Credit Union reserves the right to discontinue access to Voice Response without notice and will not be liable for failure to honor any Voice Response transactions. Amendments to this agreement may be provided to me, in accordance with applicable laws, without restatement of terms, conditions, and requirements of Voice Response. Transactions through Voice Response are subject to verification by St. Cloud Federal Credit Union.

 

© St. Cloud Federal Credit Union
(320) 252.2634 or 1.888.252.2634
3030 First Street South, St. Cloud MN 56301
1716 Pine Cone Road South, Sartell MN 56377