Frequently Asked Questions
FAQ Accordion by OrangeDevDesign
+ How do I contact EDTECH FCU?
+ Phone 406.723.8288 or 800.775.2987 + Fax 406.723.8280 + E-mail firstname.lastname@example.org + Mailing address: PO Box 3726, Butte MT 59702 + Physical address: 1555 Harrison Avenue., Butte, MT 59701
+ What is the routing number?
+ How do I send a wire to EDTECH?
Give the following information to sending financial instution. Wire to: Kansas Corporate Credit Union, 8615 West Frazier, Wichita, KS 67212, ABA # 301180111, Further Credit to: EDTECH FCU, 1555 Harrison Avenue, Butte, MT 59701, Account # 292977022 (ABA), Final Credit to: Member name and account number
+ Who can become a member?
The Credit Union provides membership and financial services to persons who live, work, attend school, worship, or participate in associations in Silver Bow County, employees who work at the Montana State Hospital Campuses of Warm Springs or Galen, Montana, including the following: CCCS/WATCH & AWARE, and employees who work at the Montana State Prison in Deer Lodge, Montana. Family members of eligible persons are also able to become a part of EDTECH’s family. ONCE A MEMBER, ALWAYS A MEMBER.
+ What is your mailing address?
EDTECH FCU PO Box 3726 Butte, MT 59702-3726
+ What are your hours?
Main Office 1555 Harrison Avenue Butte, MT 59701 Lobby Hours: Mon-Thurs 8:30 – 4:30 Fri 8:30 – 5:00 Drive-Up: Mon – Fri 8:30 – 5:00 Branch Office 26 Garnet Way, Suite B Warm Springs, MT 59756 Lobby Hours: Mon – Fri 11:30 – 4:30
+ What Holidays are you closed for?
EDTECH FCU observes the Federal holiday schedule, which may include: New Year’s Day, Martin Luther King Jr. Day, President’s Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veteran’s Day, Thanksgiving Day, Friday after Thanksgiving, and Christmas Day
+ How do I change my address?
Print and fill out the Change of Address form and mail it to our main office or drop it off at a location near you. We cannot accept the change of address sticker used by the United States Postal Service. If you are unable to print the form, you may write a letter making the request and mail it, we must have your signature on the letter.
+ How do I reset my password for online banking?
Either enter your password and then click on the Forgot your Password link on the Password screen and follow the prompts or call us at 406.723.8288 or 800.221.7555.
+ What documentation do I need and what does it cost to open an account?
+ A valid photo ID and proof of residence for yourself and/or any joint owners. + There is no cost to join, but the member must deposit $25 in regular savings giving them a member share. The $25 is not available to withdraw during the membership. If the account is closed the $25 will be given to the member as long as the account has been open for six months. If the account is open less than six months, the member forfeits the $25.
+ Why do I need to open a savings account if I want another product?
Your savings account establishes your membership with the credit union. Once your savings account is opened, you are a member of EDTECH FCU and we may provide you with other products and services that you qualify for.
+ Do deposits post the same day they are made?
Yes, all deposits are effective immediately unless the teller informs you that there will be a hold placed on the check.
+ What is the difference between my balance and available balance?
All of our members maintain a share in the credit union of $25. This stays in your savings throughout the life of your account. The balance is the total amount in your account and may include funds being held for check holds, debit card authorizations, and loan pledges. The available balance is the actual amount you may withdraw from your account.
+ Do I have to come in to make an account transfer?
No, Online Banking and Telephone Teller are available 24 hours a day at no charge. You may also call the office at 406.723.8288 M-F, 8:30 AM – 5:00 PM or the Telephone Teller at 1.866.252.1807. However, certain accounts may limit your amount of telephone and electronic transfers; please ask for details.
+ How do I sign up for Direct Deposit?
Establishing direct deposit of your paycheck is usually done through your employer, who will have the necessary paperwork to set it up. They will need EDTECH’s routing number (292977022) and your account number. If your employer needs something further, please contact us at 406.723.8288.
+ How do I add/remove joint owners from my account?
A new signature card will need to be signed; this can be done at either of our locations. All account owners will need to bring valid photo identification.
+ How do I add/remove an account beneficiary?
A new beneficiary form will need to be completed; the beneficiaries address, phone number, SSN and date of birth will be required.
+ Are my savings insured?
Yes, your savings accounts are insured up to $250,000 and IRA accounts are insured an additional $250,000, depending on account ownership, by the National Credit Union Administration (NCUA).
+ How do I order checks?
By mailing or bringing in your reorder form or a blank deposit slip to your nearest location, or by ordering online.
+ How much does it cost to stop payment on a check?
The fee is $25.00 and can be done at either of our locations.
+ How much is a box of checks?
The price of a box of checks ranges from around $13 to $35, depending on the style and type of check you are ordering
+ Is there a monthly charge to have a checking account?
+ There is $3.00 monthly maintenance fee. + If you are a member of the Golden Seniority account there is no fee. To be eligible you must be age 55 or over and receive direct deposit of Social Security or Retirement into your EDTECH account. + Full-time students do not have a fee. The student is required to come in before the start of every school year and fill out new paperwork. If the student does not come in the account will be charged the $3 fee.
+ Do you have to keep a minimum balance in your checking?
No…there is no minimum balance. You must make sure you have the funds available for the checks you are writing.
+ How do I activate my Debit or ATM card?
By calling 1.866.985.2273. For security purposes, you must call from the phone number listed on your account and you will be asked for the last 4 digits of the primary account holder’s social security number.
+ How do I activate my Visa Credit card?
By calling 800.543.5073. For security purposes, you must call from the phone number listed on your account and you will be asked for the last 4 digits of the primary account holder’s social security number.
+ How do I change the PIN on my debit or ATM card?
The PIN for your ATM or debit card can be changed at either of our offices, at an ATM or by calling 1.866.985.2273. For security purposes if you call, you must call from the phone number listed on your account and you will be asked for the last 4 digits of the primary account holder’s social security number.
+ What do I do if my ATM or Debit Card is lost or stolen?
Please report the lost card immediately by calling 1.800.535.8440; this will block the card from any further purchases. To get a new card issued, please call EDTECH FCU at 406.723.8288. Report any suspected unauthorized activity.
+ What do I do if my Visa Credit Card is lost or stolen?
Please report the lost card immediately by calling 1.800.325.3678; this will block the card from any further purchases. To get a new card issued, please call EDTECH FCU at 406.723.8288. Report any suspected unauthorized activity.
+ How much can I withdraw from an ATM?
The card limit is $350.00 per day but some ATM’s have a lower daily dollar limit.
+ What is the difference between a Credit Card and a Debit Card?
Although you use a debit card much like you would a credit card, the method of payment is different. When using a debit card, you are using the money from your checking account. The amount of your purchase must be available in your checking account at the time the purchase is made. When using a credit card, you are borrowing money against your available credit line. You pay that money back when you make your monthly payment.
+ Does my debit card have spending limits?
The card limit for purchases is $750.00 per day and ATM withdrawals is $350.00 per day. If you are making a larger purchase, please call EDTECH to raise the limit for the day. if you are paying college tuition and/or making a large purchase you should contact EDTECH in advance to avoid any inconvenience at the time of purchase.
+ Is there a fee to use my debit card for purchases?
No, there is no fee to use your debit card for purchases.
+ What does it mean when I use my debit card and the clerk asks “Debit or Credit”?
There are two types of debit card transactions: debit (PIN) and credit (signature). When paying for a purchase, the clerk will ask “debit or credit?” When you reply “debit” to the clerk, it becomes a PIN transaction. You are required to enter your Personal Identification Number (PIN) after the card has been swiped. With PIN transactions, funds are withdrawn from your account immediately at the time of the transaction. When you reply “credit” to the clerk, it becomes a signature transaction. Signature transactions do not require a PIN but you do need to sign a slip to accept the transaction. With signature transactions, funds are authorized and held in your checking account at the time of purchase until the transactions posts to your account within 1 – 5 days. Either method requires that the funds be in your checking account at the time of the transaction. If you have any other questions that aren’t answered above, please don’t hesitate to call our Main Office Branch at 406.723.8288 or 800.775.2987.
+ How do I send a wire out of EDTECH?
Member must contact recieving financial instution to obtain proper wiring instructions. The following information is needed: Financial instution name, financial instution address, ABA #, and name and account number to recieve the wire. A signiture is required by the sending party.