Routing number: 236084751

Yes. Once you receive your assigned PIN number, follow the directions to change your PIN. Detailed directions will be on the PIN mailer you receive.

Yes, you can take a cash advance at any financial institution or at an ATM using your assigned PIN. Remember, cash advances accrue interest immediately; however, there are no fees for a cash advance.

You can call 215-612-5954, Monday thru Friday, from 9am to 5pm, or after hours at 1-800-654-7728.

With Freedom Credit Union’s Visa Business Credit Card, you can have additional cardholders on your account at no additional charge. To request an additional cardholder, please call 215-612-5954. You will need that cardholder’s birth date and SSN, along with their home or cell phone number.

You can access your Visa Business Credit Card information including daily balances, last transactions posted, and available limits by logging onto: https://www.epscu.com/3140 from any computer. You will be able to view business spending, sign up for eStatements and view recent statements. This link is only available to the Control Account Holder.

The Control Account Holder (company owner or department head) can make an ACH payment online by logging onto: https://www.epscu.com/3140 and choosing Online Service from the menu and clicking on “Make a Payment.” You can enter your financial institution’s information and an ACH payment will be withdrawn directly from that institution.

No, you will not be able to use Freedom’s Online Banking to transfer money to your Visa Business Credit Card or have a payment processed at one of our Access Centers. Your Visa Business Credit Card payment must be mailed to a lockbox located at the address below for processing.

Standard Payment Mailing Address:
Freedom Credit Union
PO Box 37603
Philadelphia, PA 19101-0603

Overnight Payment Mailing Address:
PSCU
560 Carillon Parkway St Petersburg, FL 33716

Where can I mail non-credit card loan payments?

Loan payments can be mailed to our Ops Center:

626 Jacksonville Rd. Suite 250
Warminster, PA 18974

Your Visa Business Credit Card payment is due on the 26th of each month. If your payment is not received by the 26th, Freedom Credit Union will assess a $20 late fee.

Each cardholder will receive a statement, but some statements will show no balance due. Only the Control Account Holder (company owner or department head) will receive a statement with a balance due. The Control Account Holder statement will list all purchases made by his/her employees or department. However, each individual employee statement will only show the purchases of that particular cardholder.

The Freedom Visa Business Credit Card will cycle on the 1st of each month. You should receive your statement by the 7th or 8th of each month.

The best way to avoid overdrafts is to keep an accurate transaction register and balance it to your monthly statements.  Be sure to record automatic payments, bill pay transactions, check card purchases and ATM withdrawals.  You can use helpful resources such as Online and Mobile Banking or Telephone Teller for transaction information.  However, these resources do not reflect outstanding transactions that have not yet been posted to your account.

You must remain current for one business day, or 24 hours, for the system to recalculate the days overdrawn.

“Bring the account current” means to make a payment into your account to pay any overdrawn amount.

The Courtesy Pay service is discontinued if the share is not brought current within 30 days.  If the negative balance is not resolved within 45 days, the account is restricted and the negative balance will be recommended for charge off.  The balance owed, including any and all fees, will be reported to Chex Systems.

The clock begins with the date of the first overdraft.

The system will generate a notice for each paid item that overdraws the Share Draft Checking Account, showing that the item has been paid through Courtesy Pay.  If you have an email address on file, we will email the notice to you.  Otherwise, the notice will be printed and mailed.  Additional warning or collections letters will be generated if the account remains overdrawn according to the following schedule:

Paid Overdraft Notice – Day of Occurrence

1^st Warning Letter – 15 Days

2^nd Warning Letter – 30 Days

Any overdraft amount, plus our per-item Courtesy Pay fee(s) is due immediately.  Any deposits a member makes will first be applied to any overdrawn balance.

No.  The system does not show the Courtesy Pay Limit.  Therefore, employees cannot verify its availability for a merchant.

We post transactions in the order set out in our Membership Account Agreement.

We authorize and pay transactions using the available balance in your account.  The available balance is the ledger balance (collected funds) minus any debit card holds.  As such, the available balance does not include any deposited funds on hold.  We may place a hold on deposited funds in accordance with our Membership Account Agreement and our Funds Availability Disclosure.  If the funds in the available balance are not sufficient to cover a transaction, any available overdraft protection and/or Courtesy Pay may be used to authorize and pay a transaction.  We will also place a hold on your account for any authorized debit card transaction until the transaction settles (usually within two business days) or as permitted by payment system rules.  In some cases, the hold may exceed the amount of the transaction.  When the hold ends, we will add the funds to the available balance.  If your account is overdrawn after such held funds are added to the available balance and the transaction is posted to the available balance, an overdraft fee may be assessed.

SavvyMoney® Credit Report and Score is a comprehensive Credit Score program offered by your financial institution, that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score and can see the most up-to-date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how your financial institution can help save you money.

Learn more here.

Yes, you can! Learn more here.

Yes, in most cases you can. Typically, the primary (or first-named account holder) will keep the current username. To get started with your own login, register using any member number where you’re an account holder on all the deposits and loans. Once logged in, you’ll see a personalized view of all your deposits and loans at Freedom Credit Union across any other membership accounts you hold.

Yes, inside digital banking, follow the steps below:

For Mobile App:

• Click on the menu icon
• Select “Open an Account” or “Apply for a Loan”
• Select Apply/Open.
• Identify the type of account you want to open.
• Follow the steps.

For Desktop:

• On Digital Banking’s main navigation click on “Open an Account” or “Apply for a Loan”
• Follow the steps.

Yes, you can open additional accounts on the app, including savings, high yield savings, or checking, etc. To do this, tap “Accounts” to get a list of your accounts, then tap the plus sign “New” located below you accounts, choose which type of account you would like to open, then follow the prompts. You can also click on the Menu icon in the lower-right corner and select “Open a Share or Certificate”.

(www.selco.org)

Please send us a secure message or call the Service Center at 215-612-5900 during business hours. To send a secure message, click on the envelope in the upper-right corner.

In the mobile app, you can chat with a live agent by selecting ‘Chat’, and you can also send us a secure message by going to the ‘Messages’ section of your profile.

On the website

• Click on the “User Settings” or the person icon on the top right.
• Then click on “Profile.” There you can update personal details such as your email, phone number, and address

On the mobile app

• Click on the menu on the bottom right-hand corner.
• Then click on “Settings.” Then click on “Profile.”

You can reset your password by clicking on the “Forgot your username or password?” link on the digital banking login page. Or you can call the Service Center at 215-612-5900 during business hours so that we may reset your password.

You may be locked out. As a security feature, if you unsuccessfully attempt to log on to digital banking 3 times, access will be denied for your account. This is to prevent someone from trying to guess your password. If you are having difficulty logging on, please call the Service Center at 215-612-5900 during business hours or click on the “Forgot your username or password?” link at the digital banking login screen to unlock your account.

By enabling Face or Fingerprint ID, you can log in quickly and securely without entering a security code every time. However, as an additional layer of security, you may be prompted to enter a code on occasion.

Please note: Your initial login for every device will require security code verification. DO NOT share any verification codes with anyone.

Loan payments can be mailed to:

626 Jacksonville Rd. Suite 250 Warminster, PA 18974 (Ops Center)

Usernames cannot be changed from the App. If you need your username changed please contact Freedom Credit Union at 215-612-5900 for assistance.

Select Help from the menu and then Forgot Username.

Select Help from the menu and then Forgot or Reset Password.

Yes. In order to set up your Business Account via Mobile Banking you would need to contact us at 215-612-5900, a Member Service Representative will provide instructions and guide you through the process.

Yes. Once registered the username and password can be shared with Joint owners and accessed on multiple devices.

You can choose to use a PIN versus your username and password when logging in. To set up your PIN, go to Settings; click on the Settings button (located in the scrolling menu bar at the bottom of the app) – General Settings and active the PIN feature. You will be required to enter and confirm the PIN.

PIN access uses two-factor authentication (your PIN and device ID) to access your accounts.

The password must contain the following:

• Password must be between 6 and 12 characters
• Must be alpha numeric

The password must also be entered in twice to confirm and also match during the registration process. Please note: Your password will not be the same as your Online Banking password unless you set it up to match.

The username is restricted to between 6-20 characters in length.

• Account number
• Last four digits of your social security number
• Date of birth
• Phone number on record with Freedom Credit Union

Apple Device Minimum Requirements

The minimum requirements for the Apple version of the mobile banking application will be listed in iTunes when searching for the application. iTunes will list the devices that the application is compatible with as well as the iOS (operating system version). Currently the IPhone, IPad and IPod touch are supported. If the user does have the most current iOS or operating system available they should connect their device to any PC or Mac running iTunes and install the latest version.

Android Device Minimum Requirements

The Android Device must meet minimum specification required by the app or the app will not be displayed to the device by the Google Play store.

Get approved for a refinance in three easy steps: collect all relevant information; submit an application form online, in person, or over the phone; and answer any questions from the Freedom CU loan officers.

You may refinance your home at any time following the initial sale and close of the home. Keep in mind that refinancing your mortgage right away may not necessarily be the best decision.

The best time for a mortgage refinance is directly correlated to your financial situation. Experts suggest waiting until your credit score has increased, interest rates have dropped, or you plan to live in your home for at least 10 years.