Services

FSCU Debit Card

This Debit card gives our members access to their money 24 hours a day, 7 days a week. Whether in Carlsbad, NM, or Paris, France, your money will be available for your needs. Your card will work in any ATM that accepts VISA, PULSE, or CIRRUS for withdrawals up to $200 per day.

You may use this card at point-of-sale locations using your personal identification number (PIN) to solidify the transaction. Instant Issue Debit Cards and the ability to choose your personal identification number (PIN) are available at both locations. There is also NO monthly and NO annual fee associated with this card.

Premium Texting
Help manage your account activity and quickly identify potentially fraudulent transactions. When you provide us with your mobile number, we will automatically sign you up to receive automated alerts to your mobile device using Text Messaging and/or Pre-Recorded Digital Voice Phone Calls.

How it works:
-A text message and/or pre-recorded voice call may be sent to your mobile device when a suspicious transaction(s) is identified on your debit card.
-Simply reply to the text to confirm whether or not you recognize the transaction(s).
-If you reply to the text that you do not recognize the transaction(s), a block will be placed on your debit card to protect you from further fraudulent transactions.
-If you reply to the text that you recognize the transaction(s), your card will remain available.
-If you do not reply to the text, a pre-recorded voice call may be attempted at your mobile device and home phone number listed on your account. Please listen, review and respond to the validity of each transaction.
-To reply to the pre-recorded message left on your phone, please call the number provided to tell us whether or not you recognize the transaction(s).

FSCU ATM locations

Main Location: 1105 West Pierce Street, Carlsbad, NM 88220
South Location: 2603 South Canal Street, Carlsbad, NM 88220
BES Supply Store:  502 Center Ave, Carlsbad, NM 88220

Monday – Friday, 6:00 a.m. to 5:30 p.m.
Saturday: 7:00 a.m.- 12:00 p.m.

eStatements

eStatements

Secure, fast, and convenient. This will enable members to access their statements for the current month as well as previous months. It is faster than regular mail and more convenient because it is accessible anytime, anywhere, 24/7.

NOTIFICATION TO MEMBERSHIP: Effective January 2020, there will be a $1.00 service charge for paper statements. Please sign up for eStatements to avoid this charge. Contact us to set you up!

Home Banking

Want to be able to access all of your accounts 24 hours a day/7, days a week? Well, it’s easy to do with FSCU’s Home Banking. It allows you to conduct transactions from the comfort of your own home or on the go!

With home banking, you will be able to:

  • View statements online

  • Balance accounts

  • Transfer funds between accounts

  • Pay bills

  • Check balances 

FSCU Mobile Banking

Finances at your fingertips? FSCU can do that, and Mobile Banking with FSCU is now easier than ever!  Mobile Banking gives you the tools to stay securely connected to your accounts, allowing you to manage your money anytime, anywhere.  If you are enrolled in online banking, you have access to your account information from any mobile device through our Mobile Banking app. Just search “FSCU Mobile” in either store!

With Mobile Banking, you will be able to:

  • View account balances

  • Transfer funds between accounts

Check Free Bill Pay

FSCU makes managing your monthly bills easy and convenient so you can handle your finances all in one place! It saves time, keeps records organized, it’s secure, and it’s free. With Check Free Bill Pay, you control which bills are paid, the dollar amounts, and when the money should be deducted from your account.

Remote Deposit Capture

SNAP, TAP, & DEPOSIT
It’s that easy! Secure and convenient, Remote Deposit Capture allows you to deposit your check just by taking a picture of it! Contact FSCU to see if you qualify for RDC!

Text Banking

No Smartphone? Don’t worry! Text Banking is a free service to FSCU members to make it easy to connect to your account and receive account and loan balance information via text messages. It is the fastest way to get your balances – anytime, anywhere. Not only is Text Banking fast and free, but it is also secure.

TEXT: 25215 ——————- ”BAL” FOR BALANCE, “HIS” FOR HISTORY


Electronic Cash Management
(ECM) Payments

ECM is a way for our Members to make payments or deposits into their accounts here at FSCU using a NON-FSCU debit/credit card or ACH from a checking/savings account from a DIFFERENT INSTITUTION.
There is a limit of $1500 per convenience fee.

**Cards accepted are Visa; MasterCard; Discover**
Member is allowed 3 different transactions per Convenience Fee. Convenience Fees: Over the Phone/In Person- $10 Online: $7.50 Transaction Time frame:
ACH – 1 day (up to 24 hours)
Debit/Credit- 1-2 days (up to 48hours)

Pay Prompt

FSCU has extended our payment reminder services to include text messaging.  Just as with our ECM payments, you can make your payment directly from your smartphone by tapping the link provided or by calling the number listed within the text message.  All EMC payment rules and fees listed above apply.
How it works:
—You will receive an “opt-in” message 15 days before your payment due date.
— If you choose to “opt-out”, no further text communication will be sent.
— If you choose to opt-in, each month, a reminder text will be sent 10 days before your payment due date. 
— If no payment results from this first text, another reminder text will be sent 3 days before your payment due date. 
— If a payment is still not received by FSCU on or before the payment due date, a third and final reminder
text will be sent 3 days after the payment due date.

Other Services

Financial Security Credit Union offers many products and services to benefit our members.

ACH- automated clearing house (ACH)

The ACH transaction system deals with many types of payment services, such as consumer bills, payroll, direct deposit, and tax refunds when financial institutions transact money between financial institutions and tax payments. For example: when employers pay wages through direct deposit or consumers pay bills electronically out of their accounts, that is considered an ACH transaction.

Direct Deposit

Direct Deposit is the electronic transfer of a payment directly from the payer to the recipient. No action is required on your part to receive the funds. If you are out of town or too busy to make it to your financial institution, your account will be credited, and your funds will be available immediately.

Night Drop & Deposit

FSCU provides Night Drop & Deposit at both locations if you need to make a deposit after normal hours at FSCU. We collect and credit to the account the next business day.

Notary Service

Notary services are offered at both locations and are FREE to our members.

Wire Transfer

Wire Transfers are another way to move money from one financial institution to another electronically, and FSCU does not do international wires.