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Help Center

Find answers to common questions


  • Routing number: 236084751

Business Credit Cards

  • 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: 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: 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 You can enter your financial institution’s information and an ACH payment will be withdrawn directly from that institution.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:
    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.

Courtesy Pay

  • 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

    1st Warning Letter – 15 Days

    2nd 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.

Loans & Credit

  • Loan payments can be mailed to:

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

Mobile Banking

  • The maximum total amount of deposits is $5,000 daily and $25,000 over a 30 day period.

  • We are in the process of updating our system. In the mean time if you log out and log back in you should see the deposit in your balance.

  • If an attempt is made to deposit a check multiple times, the following error message will be displayed: “Deposit rejected due to Deposit Policy”.

  • Deposits can be made to all shares and loans, excluding IRA shares due to deposit limits.

  • To request a copy of a check, simply visit and select Live Chat, E-Mail Us or Locations & Hours, or call us at 215-612-5900.

  • The first $300 of your total daily deposit is made available immediately; the remainder of the funds may be held up to two business days. If a longer hold applies, we will tell you when the funds will be available. Funds will generally be available no later than the seventh business day after the day of deposit.

    If you make a deposit on a business day that we are open, we will consider that day to be your day of deposit. For determining the availability of your deposit, every day is a business day except Saturdays, Sundays and Federal holidays. Please ask us if you need to be sure about when a particular deposit will be available for withdrawal. The length of delay before your funds will be available to you will depend on the item (type of check) being deposited.

  • After successfully submitting a deposit with our mobile banking deposit application, keep all original checks in a safe place for 60 days and then securely destroy.

  • After logging in and selecting the three bar navigation icon on top left hand side, you will see the “Deposits” option. Upon selecting the Deposits option you will see your deposits history on the screen.

  • Successfully submitting your check images with your mobile device will begin the deposit process. You can immediately view your deposit (and recent deposits) by tapping the “Deposit History” button.

  • Before you begin, be sure you have properly endorsed the check. You should also make sure your check is placed on a flat surface in a well-lit area. Be sure the device is not casting a shadow on the item.

    To begin the deposit, sign in to our mobile banking and go to the three bar navigation icon on the top right hand side. Then select the “+” sign on the top right hand side. Tap the “To “Select Account” field to select a deposit eligible Account. You will be taken to a list of your Accounts. Select the Account to deposit the check. You will then be returned to the Check Deposit screen.

    Then Select the “Amount” Field. In the “Amount” field, enter the amount of the check you are depositing. Be certain the entered amount matches the amount of the check.

    Then take a picture of the front of the check, turn the check over and repeat this process done for the back.

    After you have successfully taken a photo of the front and back of your check, you will see small thumbnail image on the check deposit screen.

    Once complete select “Next”, confirm the deposit and submit.

Mortgage Refinance

  • 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.