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 You can enter your financial institution’s information and an ACH payment will be withdrawn directly from that institution.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

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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)

How do I connect to Quicken/QuickBooks in Online & Mobile Banking?

Freedom Credit Union’s Online & Mobile Banking supports integration with Web

Connect for QuickBooks, and Web Connect & Express Web Connect for Quicken.

Quickbooks for Mac

How to set up an account for Online Banking with Web Connect:

1. Log into Freedom Credit Union’s Online or Mobile Banking
2. Export your transactions to a .QBO file and save to your computer
3. Open Quickbooks
4. Choose Banking menu > Downloaded Transactions > Import File
5. Navigate to and select the file you exported in Step 2, then click Open
6. Click Select an Account for each account and choose which account in QuickBooks to connect it to. If you do not yet have an account in Quickbooks to connect with, you can select New to create a new account After creating the new account, you may need to click Select an Account again and select the new account

7. Click Next
8. Click OK to confirm and finish

How to update an account with Web Connect:

1. Choose Banking menu > Downloaded Transactions
2. Select the Web Connect account you want to update in the upper left corner. Then click Download

Note: For Web Connect accounts, Quickbooks will open Freedom Credit Union’s Online & Mobile Banking. Please log in and export the .QBO file for the account being updated. Alternately you can log into Freedom Credit Union’s Online & Mobile Banking outside of Quickbooks and follow the same steps below

3. When exporting the .QBO file you will be given the option to open the file or save it If you open it, Quickbooks will take over and begin the import process If you save it, you can import it later by using the Import File button

4. Quickbooks will then import the online banking transactions
5. Once complete, QuickBooks will give you a count of how many transactions were imported. Click OK to proceed

6. Quickbooks will then return to the Downloaded Transactions window and open the register for the selected account so you can begin the transaction matching process.

Quickbooks for Windows

How to set up an account for Online Banking with Web Connect:

1. Log into Freedom Credit Union’s Online or Mobile Banking
2. Export your transactions to a .QBO file and save to your computer
3. Open Quickbooks
4. Choose Banking menu > Bank Feeds > Import Web Connect File. You will see an import dialog
5. Navigate to and select the file you exported in Step 2, then click Open
6. Click Use an Existing QuickBooks Account if you have an appropriate account in the Chart of Accounts. If you do not have an account yet, click Create a new QuickBooks account and enter a name for that account
7. Click Continue
8. Click OK to confirm and finish

How to update an account with Web Connect – Bank Feeds:

1. Choose Banking menu > Bank Feeds > Bank Feeds Center
2. Select the account you want to update in the Bank Feeds window
3. After you select the account, click Refresh Account to start the update process

Note: For Web Connect accounts, Quickbooks will open Freedom Credit Union’s Online & Mobile Banking. Please log in and export the .QBO file for the account being updated. Alternately you can log into Freedom Credit Union’s Online & Mobile Banking outside of Quickbooks and follow the same steps below

4. When exporting the .QBO file you will be given the option to open the file or save it If you open it, Quickbooks should open and begin the import process If you save it, you can import it later by going to Banking menu & Bank Feeds & Import Web Connect File, navigate to the exported file then click Open

5. Quickbooks will then import the online banking transactions and show you a

Transmission Summary

6. Review the Online Transmission Summary. You can print the summary or click Close when done
7. After the Web Connect import, go to Banking menu > Bank Feeds & Bank Feeds Center, select the account, and click Transaction List to view and match the downloaded transactions

Quickbooks Online

How to add an account using OFX Web Connect:

1. Log into Freedom Credit Union’s Online or Mobile Banking
2. Export your transactions to a .QBO file and save to your computer
3. Log into QuickBooks Online
4. On the sidebar menu, go to Transactions & Banking
5. Find the Update button on the Banking page and click on the menu arrow
6. Click File Upload &Add Account
7. You will see the Import Bank Transactions window. Click Browse, and choose the file you exported in Step 2
8. Quickbooks Online will prompt you to either associate an account or add a new account. Choose your option and click next. Quickbooks will import the .QBO file and create your account

How to update an account using OFX Web Connect:

1. Accounts you set up using a Web Connect file will not update automatically. To update the data in those accounts, simply log into Freedom Credit Union’s Online & Mobile Banking, download a current .QBO file, and import it using the process you used to create the new account.

Quicken for Mac

How to set up an account for Online Banking with Web Connect:

1. Log into Freedom Credit Union’s Online or Mobile Banking
2. Export your transactions to a .QFX format and save to your computer
3. Open Quicken and choose File &Import & Bank or Brokerage File. You will see an import dialog
4. Navigate to and select the file you exported in Step 2, then click Open
5. Click Link an Existing Account if you have an appropriate account in the account list. If you don’t have an account yet, click Create a new account and enter a nickname for that account

6. Click Import
7. Click OK to confirm and finish

How to set up an account for Online Banking with Quicken Connect:

1. Choose Add Account on the sidebar
2. Select the type of account you want to set up
3. After you select the type of account you want to add, you will see the financial institution selection screen. Type Freedom Credit Union to locate in the list

4. Select Freedom Credit Union and click Next
5. Quicken will now display the login screen. Enter your Freedom Credit Union log in credentials and follow the prompts to add your accounts to Quicken

Updating accounts with the One Step Update in Quicken for Mac:

1. After an account has been set up for online banking, you can use the One Step Update to update information. Just click Update Accounts in the Quicken sidebar.

Quicken for Windows

How to set up an account for Online Banking with Web Connect:

1. Log into Freedom Credit Union’s Online or Mobile Banking
2. Export your transactions to a .QFX file and save to your computer
3. Open Quicken, then choose File > File Import & Web Connect File. You will see an import dialog
4. Click Link an Existing Account if you have an appropriate account in the account list. If you don’t have an account yet, click Create a new account and enter a nickname for that account

5. Click Import
6. Click OK to confirm and finish

How to set up an account for Online Banking with Express Web Connect:

1. Choose Tools & Add Account
2. Select the type of account you want to set up
3. After you select the type of account you want to add, you will see the financial institution selection screen. Type Freedom Credit Union to locate in the list

4. Select Freedom Credit Union and click Next
5. Quicken will now display the login screen. Enter your Freedom Credit Union login credentials and follow the prompts to add your accounts to Quicken

Updating accounts with the One Step Update in Quicken for Windows:

1. Choose Tools & One Step Update
2. Enter the necessary information for the listed account (such as Username and Password) and click Update Now

3. Follow the instructions to update your accounts

Exporting Files from Freedom Credit Union’s Online Banking

How to export files from Online Banking for Quicken or Quickbooks:

1. Log into Freedom Credit Union Online Banking. Please note: exporting account history is only available on the web version of Online Banking and cannot be completed in the Freedom Credit Union Mobile App

2. Select the account you wish to export from the dashboard
3. In the Quick Actions menu, click More & Export
4. Choose File Format: .QBO for Quickbooks or .QFX for Quicken
5. Enter date range for transactions you’d like to export
6. Click the Export button
7. Save the exported file to your computer
8. File may then be uploaded to Quickbooks or Quicken as outlined above

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What is SavvyMoney® Credit Score?

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.

Credit Score also monitors your credit report daily and informs you by email if there are any big changes detected such as a new account being opened, a change in address or employment, a delinquency has been reported, or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

What is SavvyMoney® Credit Report?

SavvyMoney® Credit Report and Score provide you with all the information you would find on your credit file including a list of open loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public records that show up on your account. Like Credit Score, when you check your credit report, there will be no impact on your score.

Is there a fee?

No. SavvyMoney® Credit Report and Score is entirely free, and no credit card information is required to register.

How often is my credit score updated?

As long as you are a regular online banking user, your credit score will be updated every month and displayed on your online banking screen. You can click “refresh score” as frequently as every day by navigating to the detailed SavvyMoney® Credit Report and Score site from within online banking.

How does the SavvyMoney® Credit Report and Score differ from other credit scoring offerings?

SavvyMoney® Credit Report and Score pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers with a better picture of their credit health.

Why do credit scores differ?

There are three major credit reporting bureaus—Equifax, Experian and TransUnion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be considered when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad Below 500.

Will Freedom Credit Union use SavvyMoney® Credit Report and Score to make loan decisions?

No, Freedom Credit Union uses its own lending criteria for making loans.

Will SavvyMoney® Credit Report and Score share my credit score with Freedom Credit Union?

No, your SavvyMoney® Credit Report and Score is a free service to help you understand your credit health, how you make improvements in your score and ways you can save money on your loans with Freedom Credit Union.

How does SavvyMoney® Credit Report and Score keep my financial information secure?

SavvyMoney® Credit Report and Score use bank-level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

If the financial institution doesn’t use SavvyMoney® Credit Report and Score to make loan decisions, why do we offer it?

SavvyMoney® Credit Report and Score can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on your new and existing loans with Freedom Credit Union.

What if the information provided by SavvyMoney® Credit Report and Score appears to be wrong or inaccurate?

The SavvyMoney® Credit Report and Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from www.annualcreditreport.com, and then pursuing with each bureau individually. Each bureau has its own process for correcting inaccurate information, but every user can “File a Dispute” by clicking on the “Dispute” link within their SavvyMoney® Credit Report. However, the Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

There is a section on the site that features both Freedom Credit Union product offers and financial education articles. Why am I seeing this?

Based on your SavvyMoney® Credit Report and Score information, you may receive Freedom Credit Union offers on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. The educational articles, written by Jean Chatzky and the SavvyMoney® Credit Report and Score team, are designed to provide helpful tips on how you can manage credit and debt wisely.

Will accessing SavvyMoney® Credit Report and Score ‘ping’ my credit and potentially lower my credit score?

No. Checking SavvyMoney® Credit Report and Score is a “soft inquiry”, which does not affect your credit score. Lenders use “hard inquiries” to make decisions about your creditworthiness when you apply for loans.

Does SavvyMoney® Credit Report and Score offer credit report monitoring as well?

Yes. SavvyMoney® Credit Report and Score will monitor and send email alerts when there’s been a change to your credit profile.

How do I change my email address or other personal information?

If you access SavvyMoney® Credit Report and Score program through your online banking, you have to do nothing! Your email address will be updated automatically in SavvyMoney® Credit Report and Score when you update it in online banking. However, we always encourage you to inform your financial institution of any contact information updates.

If you signed up with SavvyMoney® Credit Report and Score from our website, please log into the website and click on your name displayed on the top right of the screen. Select the Profile link from the drop-down and follow the instructions to update your information.

Can people use SavvyMoney® Credit Report and Score on mobile devices?

Yes, SavvyMoney® Credit Report and Score is available for both mobile and tablet devices within online banking and mobile banking app.

Can people use SavvyMoney® Credit Report and Score if they live overseas?

Only if the individual also has a U.S. mailing address.

How do I enroll in Bill Payer in the new Online & Mobile Banking experience?

To enroll in Bill Payer, simply select the ‘Bill Payer’ option from the main menu and start adding your billers to schedule payments immediately.

How do I manage Card Controls in Online & Mobile Banking?

Using Card Controls with your Freedom Credit Union debit or credit card can provide you with peace of mind and help you secure your financial information. You can easily lock or unlock your card, set travel notices and card alerts, and more, all with just a few clicks or taps.

To access these controls, log in to your account in Online & Mobile Banking. If you are not registered for Online & Mobile Banking, you can enroll here.

1. Select the account the card is associated with from the menu. Debit cards are attached to checking and savings accounts, Freedom Credit Union credit cards are listed under Loans & Credit.
2. Look for the Card Services tab, located directly above transaction information for that account.

Note: If you do not see the Card Services tab, check the account you are accessing. Debit cards are only connected to checking and savings accounts. They are not connected to other accounts such as High Yield Savings or Certificates.

3. You will now have the option to lock and unlock your cards, report your card lost or stolen, set up travel notices, and more.

I’d like to inform Freedom Credit Union that I will be traveling to ensure my cards or transactions are not blocked, can I do that in Online & Mobile banking?

Yes, select ‘Travel Notices’ from the ‘Card Services’ menu to inform the credit union of your travel plans. You can select your start and end date, which cards you would like to include as well as destination and if Domestic or International travel. You can also manage your scheduled travel notices from this screen.

Can I report my debit or credit cards lost or stolen in Online & Mobile Banking?

You can report your Freedom Credit Union debit and credit cards lost or stolen by accessing the Card Services menu from the account dashboard in Online & Mobile Banking.

Select the account the debit card is attached to, or your credit card account

Tap the Card Services icon, then Report Card Lost/Stolen

You may request a new card to be sent automatically

You can also temporarily lock your card to prevent unauthorized transactions by using the toggle switch.

How do I activate my card in Online & Mobile Banking?

It’s easy to activate your card, simply follow the steps below. Please note that the activation button will only be displayed for cards that are eligible to be activated.

Debit Card – select your Checking account and choose ‘Card Services’.

Credit Card – select your credit card and choose ‘Card Services’.

How do I view eStatements and eDocuments in Online & Mobile Banking?

eStatements, Billing Notices, and all additional Documents are accessible through the ‘Documents’ link under ‘Quick Links’. You can also access by choosing ‘Documents and Statements’ from 3-dot ellipses menu for additional items. You can manage your Preferences and turn off paper statements to save $2.00 per month statement fee.

To manage your paperless settings, please follow these steps:

Select ‘Documents’ from the Quick Links menu on the Dashboard in the desktop experience.

Choose ‘Paperless Settings’ from the menu.

For Mobile Banking, choose ‘Paperless Settings’ from the Documents and Statements menu.

How old do I need to be to use the Credit Scores feature?

We do not obtain the credit report of any user who is less than eighteen (18) years of age.

How do I manage Overdraft Protection and Courtesy Pay options in Online & Mobile Banking?

You can manage both your Overdraft Protection and Courtesy Pay options in Online & Mobile Banking.

From the 3-dot ellipses menu, choose ‘Overdraft Protection’. You are able to select Overdraft Options for your accounts as well as opt in or out of Debit Card Courtesy Pay.

What phone number is associated with account alerts and secure access codes from Online & Mobile Banking?

There is currently only one phone number that Freedom Credit Union will use to send you alerts or Secure Access Codes. We encourage you to add this number to your contacts as the alerts and validation codes are issued. The phone numbers is: 877-757-0363

I’d like to add a temporary address to my account; can I do that in Online & Mobile banking?

Yes, you can manage your mailing address and change from your Profile, under your login icon image. Then select ‘Address’ from the User Settings menu. Please note that you will need to change the address back once the desired timeframe has completed.

Am I able to set up additional authorized signers to access my business account online?

All authorized signers can register for Online & Mobile Banking access on their own. If you have other employees you would like to provide access to Online Banking, you can set them up by selecting ‘Manage Users’ from the menu.

Can I pay bills through the Mobile App?

Yes, by using our ‘Bill Pay’ service, which is in the menu of our mobile app. From Bill Pay, you can pay bills, manage existing billers, add new ones, and check past payments.

Can I deposit checks using the mobile app?

Yes, by selecting ‘Deposit’ in our mobile app. Mobile Check Deposit allows you to deposit an unlimited number of checks and/or money orders per week (up to $5,000) using your mobile device by taking a picture of a check.

Can I contact Freedom Credit Union inside the Mobile App?

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

Can I access e-Docs inside the Mobile App?

Yes.

In desktop, click on “Documents and Statements” from the main navigation within Digital Banking.

In the Mobile App, click on the menu icon and click on “Documents and Statements”

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Hide an Account

Tap the pencil icon next to your profile name and picture on the app home screen.

Tap the eye icon next to the account(s) you want to hide, then hit Save. That’s all there is to it. Your chosen account is now hidden.

Add an External Account to View

-Tap Connect below your accounts on the home screen.

If you haven’t enabled the Account Aggregator tool yet, you’ll be greeted by a screen to activate the feature.

Tap Get Started on the “Link Your Accounts” page. (For subsequent accounts to link, this step will not be required.)

Select your external institution.

Enter your login credentials for your other institution and press Submit.

To authenticate your account, enter the security code you receive by text, email, or voice message.

Link the external account(s) you want to view from Freedom Credit Union’s digital banking.

What’s the difference between my “current” and “available” balance?

-Great question. “Current balance” is a compilation of credits and debits (incoming and outgoing funds) that are moving throughout an account at any given time. Pending transfers or payments that haven’t been fully processed may be listed in your transaction history but won’t be reflected in your current balance. “Available balance” is how much you currently have in your account minus pending payments and deposits and is a more accurate reflection of the money available to use.

When you log in to digital banking on a desktop computer or the app, the available balance on your cash accounts (checking, savings, etc.) will show up in bold on the left with your current balance in smaller type. For lines of credit (HELOCs, for example), the current balance will appear in bold and available balance in smaller type.

How can I help ensure a successful mobile check deposit?

Before making a mobile deposit in digital banking, be sure to endorse the back of the check with your signature and “For Mobile Deposit at Freedom Credit Union.”

Then follow these guidelines when taking a picture of the front and back of a check:

Hold the camera parallel to the check and frame it within the borders on the phone.

Make sure the background is a dark, consistent color without patterns or obvious texture. Marble or wood-grain tabletops have been known to cause issues. If the table surface is not a contrasting color, place a dark or contrasting sheet of paper below the check.

Turn off the flash on your camera.

Lay the check as flat as possible with no folds.

Where to access Secure forms

–       Log in to the website

–       Click the 3 dots on the top menu bar

–       Select secure forms

You can click on the secure form you would like to use.

You can also view previous forms used under “Secure Form History”

Set up Direct Deposit through online banking

• How do I set it up?

Log into your financial institution’s app, select “Set up Direct Deposit” (often under “Transfer & Pay”), search for your employer, and log in with your payroll credentials.

• Is it secure? 

Yes, Freedom Credit Union uses encryption and connects directly to payroll providers to facilitate the switch.

• What if I can’t find my employer? 

If your employer isn’t listed, you can often use your account and routing numbers to set up the deposit manually.

• Can I split my paycheck? 

Yes, you can choose what percentage or amount of your paycheck goes into your account.

• How long does it take? 

The process generally takes a few days.

• How do I cancel? 

To cancel, you must contact your HR department or your payroll system directly; Freedom Credit Union does not directly cancel them.

• Can I use it for multiple accounts? 

Yes, you can manage and update multiple direct deposits.

Supported Systems and Browsers

Certain technologies used in our site to deliver the content and enable activities in the Lumin site are more restrictive in their OS support than others. Because of these restrictions, we can support only the last 2 releases of browsers and operating systems. 

• Android generally only supports the last 3 releases, with the oldest getting security updates only
• iOS users are generally forced to update to the most recent version.

-iOS Download Restrictions

Lumin currently will only be allowing app-downloads for users with iOS supported versions. Users with unsupported versions can keep the app they have, but downloading an update or new app will require updating their iOS version to the latest supported versions.

-Android Download Restrictions

Lumin will not allow downloads for users on Android 9 or below at this time. While we will still allow downloads and updates to users with Android 10 and above, there may be issues with usage on the site that we have not yet identified. Please note we are not supporting Android versions beyond the last two available.

– 3rd Party Partners

With the flexibility of Lumin to enable 3rd Party partner services, the overall OS and Browser requirements may vary depending on the 3rd Party Services integrated with Lumin and their minimum requirements. When communicating to members about minimum system requirements, please be sure to communicate the most recent minimum requirement for the overall platform.

In addition, JavaScript must be enabled, web extensions should be disabled, ensuring the most optimal experience.

Lumin Digital is continually upgrading online services to provide the most valuable and secure online access. As new features and enhancements are added, updates to this support policy will be provided, which may require upgrades to browser versions, device operating system and/or to Lumin Digital’s Mobile app to ensure security settings are up to date.

In some circumstances, certain browsers and software may be blocked from accessing Lumin Digital Banking and Lumin Digital Mobile to mitigate security risks. While Lumin Digital will publish notifications in advance regarding changes to this policy whenever possible, Lumin Digital reserves the right to block certain browsers, devices, and software to protect the security and confidentiality of information and may not provide advance notice.

Lumin Digital’s minimum encryption requirement for accessing financial institution account(s) online is TLS 1.2 protocol with forward secrecy and 128-bit (or higher) encryption ciphers, which are the supported defaults for these operating systems, browsers, and versions.

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.