FAQs

"I'm the kind of person who likes to dig deeper, so I'm glad there's somewhere to turn to get more detailed information on financial matters."
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That's a good question. Hopefully, the answer is right here.

So you're the type of person who reads the fine print on contracts and the entire instruction booklet before putting together your newest gadget. These Clearview FAQ's were made for people like you. We've compiled detailed, but straightforward answers to common questions on important financial topics and on how to best use Clearview's accounts, technology, and other services.

 

Absolute Checking
eClub provides benefits for added security, savings, and convenience that we bundled with Clearview’s convenient features to provide greater value with your Absolute Checking® account. To enroll and fully experience all the benefits that come with your Absolute Checking® account, go to the ‘eClub’ button in Online Banking. You may also call 1-866-210-0361 for questions related to any of the benefits or for assistance with registration and activation. You will need your Access Code.
 
The monthly service charge can be avoided altogether if you do at least one of the following:
  • Maintain a $10,000 combined balance per account number among all your Clearview deposits (savings, checking, IRAs and certificates)
  • Maintain a $20,000 combined balance of your deposits and loans
  • Deposit $5,000 or more in total direct deposits to your checking account during the month
We’re excited, too!  The Absolute Checking account offers great value for a minimal monthly service fee.  Many members will receive their Absolute Checking account for free based on their relationship.
 
Yes, all direct deposits from account owners and joint owners will count towards the $5,000 monthly minimum for waiving the fee.
 
Members who are considered active or retired military personnel will be eligible to use our coin counter machines in branches at no cost. If your military ID was previously noted on your Clearview account or if you had a military checking account, your coin counting fee will continue to be waived without interruption. If you’re a new member with a military ID, or if your military ID has never been added to your account details, feel free to review that with a representative in a Clearview location to redeem or confirm that you will receive the benefit.
 
First, you must be enrolled in Online Banking. Click on the "Bill Pay" tab on the Online Banking page. You will be required to read and agree to a disclosure agreement before the enrollment process may continue. You can then access Bill Pay by clicking the Bill Pay tab or the “Go to payments” link under “Make a Payment”.
 
Any individual or company you choose within the United States. For example, your utilities, mortgage, or paperboy. The only exceptions are any government agency including but not limited to federal, state and local taxing authorities.
 
No. The Bill Pay database and system are designed to support US postal addresses only.
 
You can schedule your “Send-On” date Monday through Friday, with the exception of Holidays.
 
Funds are debited from your funding account 1-2 business days after the Send On date.
 
On average, allow three business days for electronic merchants/payees and five business days for those merchants/payees paid by paper check (for those unable to receive electronic payment). You can identify if a payment is to be made electronically or by check by looking at the “Send On” date vs. the "Delivery by" date. Payments made by Check will reflect 5 business days between the Send On and the Delivery Date; Electronic payments will reflect 3 business days or less.
 
We process and transmit payment requests Monday-Friday at 10:30 p.m. Eastern Standard Time (excluding holidays). Any pending payments on the system will be processed at that time. Payments submitted after 10:30 p.m. Eastern Standard Time Friday will not be processed until Monday at 10:30 p.m. Eastern Standard Time.
 
You can quickly view pending payments or the last 5 payments processed in the Recently Processed payments under the Bill Payer tab. At that point consider the payment to be processed and the funds will be withdrawn from the account within 2 business days. To view past history for a particular payee, click on the Payee Name to access Payee Details. There is a view payments history link available.
 
While a payment is still listed under the "Pending Payment" section, changes can be made to the payment at any time before the 10:30 pm EST processing time. After the payment has been picked up for processing, and the payment moves from Pending Payments to Payments Processed, no changes can be made.
 
A Stop payment cannot be placed on a Processed Bill Payer payment. Funds are withdrawn from the account via ACH within 2 business days of the Sent Date by our processor.
 
If a payment was scheduled appropriately based on the Send By and Delivery Date, your payment is guaranteed to be delivered on time by our processor. If it is determined that you scheduled your payments as recommended, our processor will refund up to $50 in late fees assessed by that creditor, if necessary.
 
Proof of Payment must be requested through our Online Banking Support Department at 1-800-926-0003. You will be assessed an $18.00 fee for this service.
 
"In the event that you authorize a payment, and the funds are not available to withdraw from your checking account, our processor, FIS will block your bill pay activity. In most cases, FIS will attempt to withdraw the funds up to three times from your designated checking account. Upon successfully completing the withdrawal, the block on your account will be removed after 5 business days. If FIS is unsuccessful in collecting the funds, the user will be submitted for internal collections. In order to settle collection items with FIS, please contact 877-346-5272, M-F 7:00am-6:00pm CST.

While your bill pay account is blocked due to NSF activity, pending payments will be cancelled. One-time pending payments and recurring pending payment will need to be rescheduled once bill pay access is reinstated. Recurring pending payments with a ""send on"" date in the future WILL be automatically re-scheduled. For additional information contact the Online Banking Support Department at 1-800-926-0003."
 
To cancel the Bill Pay service, please call the Online Banking Support Department at 1-800-926-0003.
Checking Accounts
Yes, you can order checks directly from Harland Clarke. You will need to enter Clearview’s routing number (243083237), your checking account number (from the bottom of your check) and other personal information.
 
Within Online Banking, click the “Other Services” tab located at the top of the screen, then choose the account you wish to order checks for and click the “Enter” button to begin. Using this method, your account number and other necessary information will be pre-loaded.
 
Clearview Live
A Video Teller Machine looks like an ATM, but features video chat technology and offers almost as many functions as a teller in a financial center. They're staffed by our Personal Video Advocates located in our Personal Video Center in Wexford, Pa. They can communicate remotely with members at any location with Clearview Live®, so you can complete transactions with face-to-face communication even after a financial center has closed or before it has opened.
 
Clearview Live is our brand of Video Teller Machines. We thought it deserved a special name to make it all our own.
 
Clearview Live is available Monday – Friday 7 a.m. - 7 p.m. and Saturday 9 a.m. - 2 p.m.
You can deposit and cash checks, withdraw and deposit cash, and make loan payments and transfers between accounts. Check and cash deposits don’t require an envelope, and there are no forms to fill out.
No, it’s much more. Clearview Live features personal, private conversations with our staff who can assist you with a wider variety of transactions than you could complete on your own at an ATM. Clearview will still have ATMs that can be used for standard transactions at all of our financial centers and a variety of other locations.
Courtesy Pay
Courtesy Pay allows qualified members who are at least 18 years old to overdraw their accounts. There is a $35.00 fee each time we pay an overdraft, capped at four fees per day. You will also receive a $5.00 daily overdraft fee once your checking account has been overdrawn more than 7 days, up to $100.00 per occurrence. Courtesy Pay allows us to authorize and pay overdrafts for the following types of transactions:
  • Checks and other transactions made using a checking account number 
  • Automatic bill payments
An overdraft occurs when you do not have enough money available in your account to cover a transaction, but we pay it anyway.
  • Overdraft Protection Plans allow automatic transfers from your Saving(s), Money Market, and Members Choice accounts, PowerLine and Home Equity Lines of Credit accounts for a fee of $5.00 per transfer*, which may be less expensive than our standard overdraft practices. Overdraft protection can be set up at any time. Please contact us as 1-800-926-0003 to verify your current set ups for overdraft protection, or to set up overdraft protection for your account.
  • Please note that the transfer from a deposit account and/or an advance from a line of credit will process before Courtesy Pay or Extended Courtesy Pay. A $5.00 fee per Overdraft Protection transfer will apply. A maximum of 6 electronic transactions can be done from a savings account over the period of one month. Once the transfer limit is exhausted, the overdraft protection transfer will not occur.
You may opt in online or by visiting your local Clearview financial center.

Extended Courtesy Pay allows qualified opted in members who are at least 18 years old to overdraw their accounts. There is a $35.00 fee each time we pay an overdraft, capped at four fees per day. You will also receive a $5.00 daily overdraft fee once your checking account has been overdrawn more than 7 days, up to $100.00 per occurrence.  Extended Courtesy Pay allows us to authorize and pay overdrafts for the following types of transactions:
  • ATM withdrawals 
  • Everyday debit card transactions (recurring payments are not included)
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.
 
Yes. You can choose to protect your checking account with overdraft protection from any of the following accounts:
  • Savings account
  • Money Market account
  • PowerLine Line of Credit
  • Home Equity Line of Credit
Please note that the transfer from a deposit account and/or an advance from a line of credit will process before Courtesy Pay or Extended Courtesy Pay. A $5.00 fee per Overdraft Protection transfer will apply. A maximum of 6 electronic transactions can be done from a share account over the period of one month. Once the transfer limit is exhausted, the Overdraft Protection transfer will not occur.
 
Good standing is defined as:
  • Has a qualifying deposit to the eligible checking account within the prior month
  • Brings the account to a positive balance at least once every 30 days or less
  • Has not caused the Credit Union a loss
  • Has no delinquent obligations with the Credit Union
  • Has no legal orders, garnishments, executions, or levies including bankruptcy notices
  • Has not engaged in suspicious or abusive activity
  • Maintains the required par value in their regular savings account
The limit for Courtesy Pay is up to $1,000 based on the aggregate total of deposits made to the eligible checking account during the previous month. The limit does not change if you are opted into Extended Courtesy Pay.
No. The overdraw limit is not part of your balance. Rather, it is simply a threshold the Credit Union will extend to you beyond your available checking balance.
 
You must bring your account to a positive balance at least one every 30 days or less.
If you have our Elite Rewards card, you can use your points to have any fee refunded. Please call us at 1-800-926-0003 or visit a financial center for additional information.
You may opt out of Extended Courtesy Pay at any time. Please call Clearview at 1-800-926-0003, visit a branch, or email us at cards@clearviewfcu.org. If you choose to email us, please remember not to include any confidential information.
Yes. If you have more than one checking account, you must choose to opt in to Extended Courtesy Pay separately for each checking account. Covering one account with Extended Courtesy Pay will not cover all of your Clearview checking accounts from overdrafts at ATMs and from everyday debit card transactions. However, each eligible checking account in good standing will be automatically opted in to Courtesy Pay.
Items are returned NSF when the overdrawn balance is more than your available Courtesy Pay amount.
We authorize and pay transactions using the available balance in your account. The available balance is the ledger balance (collected funds) minus any 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 Funds Availability Policy. 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.
No. You cannot use Courtesy Pay to make any loan payments or to bring another account to a positive balance.
You can opt out of the service at any time by contacting our Care Center at 1-800-926-0003 or visiting a branch. Please note this request could take up to 24 hours. Without Courtesy Pay, overdrawn items will be returned unpaid and a $35.00 NSF fee will be assessed after funds for overdraft protection (if applicable) have been depleted. You may also be charged additional fees by the merchant/payee.
You may opt in to Courtesy Pay by calling our Care Center Representatives at 1-800-926-0003 or visiting a financial center.
Yes. Clearview maintains the right to remove Courtesy Pay privileges from your account if it is no longer in good standing. We are not obligated to honor any overdraft coverage once your account is not in good standing.
Credit Report
A credit report is a snapshot of how you have paid back the companies from whom you have borrowed money, or how you have met other financial obligations. Each time you borrow, payment patterns are tracked and reported to a credit bureau. Creditors use this and other information to determine your creditworthiness.
Your credit score is another tool used by creditors. When you apply for credit, a three-digit score predicts how likely you are to repay the debt. Past performance, current debt load, how long you have had credit, what type of credit you have and how many recent accounts you have opened also factor into the score.
It is very easy to get a copy of your credit score. There are three major credit reporting agencies: Equifax, Experian and Trans Union.
Credit reports include information from credit grantors and public records; including bankruptcies, judgments and liens. Active positive information may remain on your report indefinitely, while missed payments and most public records will remain for seven years. The exception is bankruptcies which remain for ten years, unpaid tax liens, which remain on your credit report for fifteen years, and student loans which can remain as long as 25 years.
In states with community property laws, any debt incurred during marriage is automatically considered joint. Your divorce decree doesn't relieve you from joint debt. Even when a divorce judge orders your ex-spouse to pay a certain bill, you are still legally responsible for the payments. You may be reported to a credit reporting agency and contacted by the creditor for payment.
Filing for bankruptcy is not necessarily the easy way out. There is no guarantee that it will be granted; a court judgment must be made. Even if you only file the papers and don't go through with it, the bankruptcy shows up on your credit report. Also, not all debts can be included in a bankruptcy. Alimony, child support, student loans and tax liens all must still be paid. The bankruptcy will remove some unsecured debts, but the filing, dismissal or discharge remains on your credit report for 10 years. Obtaining new credit during this time may be difficult.
Although a low rate is always better than a high rate, there are some basics to remember if you decide to do the "credit card shuffle." First, discipline yourself to close the initial card once the transfer of balance is complete. Many consumers fail to do this and find themselves a few months later with two large balances because they started using the "paid off" card again. Next, there is often a balance transfer fee imposed for each transfer so you must consider it in relation to the savings gained by the lower rate. These fees can sometimes be very large. Also, each time you request a new account, your credit profile is reviewed. Having too many inquiries for new credit in a relatively short time span can affect your credit score.
More than two major credit cards are considered unnecessary. Carrying a lot of plastic in your wallet can be dangerous for various reasons. Open accounts with no balances are still factored into your credit score because they represent amounts that could be balances owed tomorrow. You are also a target for identity theft. If someone obtains your credit card information, they may decide to start using your available credit. One major credit card with a low APR, left at home in a safe place for emergencies is ideal.
There are pros and cons to including credit card debt in a mortgage refinance. The big pro is that the interest that accrues will be a part of the mortgage interest, therefore tax deductible, while interest on credit cards is not. Another pro is that interest rates on mortgages are typically lower than credit card rates. You need to compare the savings before you decide to include them. The biggest con is when you do not close credit cards that were included in the loan and then run them back up. Now you are facing double payments and you will be using more of your home's equity to include credit cards.
Yes, you may visit GreenPath Debt Solutions, the website of our free and confidential financial management program partner.
Debit and Credit Cards
You can use up to $2,500 daily in purchases or cash advances with your Clearview Debit Card in addition to the $500 maximum ATM withdrawal limit.
If you're traveling internationally please take the following steps:
  • You can now set travel notifications for your credit card(s) directly within Online Banking or Mobile Banking! Here's how to set yours up before your next trip:
    • Click on your card in the account summary section
    • Click the Communications tab
    • Click the Travel Notes tab
    From there, all you have to do is select your card, follow the prompts, and enjoy your travels!
  • Contact Clearview at 1-800-926-0003 prior to your departure with the dates and cities you will be traveling to so we can notate your cards for travel. We recommend taking more than one form of payment with you when you travel.
  • Make sure you have a PIN set up on all cards you will be taking with you, as you will be asked for a PIN number if using your card outside of the U.S. To set up a PIN:
    • For credit: 1-888-886-0083
    • For debit: 1- 866-985-2273
Protect yourself is by registering for real-time text fraud alerts for your Clearview credit and debit cards. Once registered, you'll receive a text and/or pre-recorded voice call when there's a suspicious transaction on your card.
 
Register today. It only takes a few minutes!
To access your credit card information, please click on “Manage Credit Card” under the Additional Services tab. Click “Enter” to be redirected to a secure site where you can view your balance, history, and eStatements (if enrolled).

You can get a new debit card printed on the spot at some of our financial centers for the following reasons:

  • When your card is lost or stolen
  • When your card is damaged
  • When you open a new checking account at a financial center

Visit our location pages to see which financial centers offer instant issue debit cards.

General
The routing and transit number is used when you pay bills electronically. Our ABA bank transit number is 243083237.
 
"Once a Member, Always a Member." Once you've joined Clearview, you may remain a member for life. You will always be able to use your Credit Union, no matter where you move. Our Service Center Help Desk is available six days a week, from anywhere in the country. Remember, Online Banking and TellerPhone are available 24/7. Many key financial transactions can be performed through Online Banking. You can also search nationwide for nearby Shared Branches and surcharge-free ATMs.
How to make a loan payment
Skip a Pay is a feature within Online Banking that allows you skip an eligible loan payment.
  • Transfer funds or set up a recurring transfer from your Clearview checking or savings account(s).
  • Transfer money from another financial institution using the "Pay My Loan or Credit Card" feature under the Move Money tab.
No. Your online account information is available only via secure access by using your User ID and password. The information is not public. Unless you share your password, no one else can access your account information online.
Yes, this is very important. We use email to communicate with Online Banking users. Please log into Online Banking and select My Profile. Under Personal Information, type your new email address in the “Email” section and click the “Update” button. You can also call us at 1-800-926-0003 and we will make this change for you.
You have two options:
  • Transfer funds directly from your Clearview checking or savings account(s) to your loan
  • Transfer funds from another financial institution by using the "Pay my Loan or Credit Card" feature
You can skip any loan except for:
  • FFEL Student Loans
  • CU Student Choice Loans
  • First Mortgages
  • Home Equity Loans and Home Equity Lines of Credit
  • PowerLine Lines of Credit
  • Credit card payments
Only two months of payment(s) may be skipped per a 12-month period, with at least a 60-day span between any two Skip a Payments. Only six months of payment(s) may be skipped over the life of the loan.
You can use direct deposit or have your loan payment withdrawn directly from your checking account at another financial institution. Set up direct deposit with your employer and contact us to have automatic transfers made to your loan(s) each time your direct deposit is received.
Click on each account suffix (i.e. Checking 9). This will display your account history. You can adjust the amount of history to display by changing the date range at the top of this page. Members who have elected to receive E-Statements can access their account statements for even more history.
To access your credit card information, please click on “Manage Credit Card” under the Additional Services tab. Click “Enter” to be redirected to a secure site where you can view your balance, history, and eStatements (if enrolled).
Yes, you can stop into any Shared Branch location to make a loan or credit card payment.
There is a $35.00 processing fee per loan that cannot be added to the principal of your loan(s). By requesting to skip your loan payment(s), you are authorizing Clearview to automatically transfer the fee(s) from the account you’ve specified. The fee(s) transfer will occur immediately after receipt of your request to skip your loan payment. If funds for the $35.00 processing fee(s) for each loan are not in the indicated savings or checking account you select, your skip will not be set up.
Loans must be open for three months to be eligible for Skip a Pay.
Call our Care Center at 1-800-926-0003 to make your payment from your debit card or checking account at another financial institution to your Clearview loan or credit card. There's a service fee per transaction.
You can conveniently access your mortgage information online. Get started by clicking on the “Register” tab on the Midwest Mortgage website. You'll need your loan number and Social Security Number to access any information. Once you're registered, you can transfer funds from Online Banking to your make your mortgage payment.
If you're unable to use any other methods to make a payment to your loan or credit card, please send payments to the following addresses:
  • Credit cards: Clearview Federal Credit Union, PO Box 71050, Charlotte, NC 28272-1050
  • Loan or deposit address: Clearview Federal Credit Union, ATTN: Payment Processing, 8805 University Blvd, Moon Twp, PA 15108-2580
Loans
Our goal is to provide members with a loan decision within 24 hours after the application is received. Many times an answer can be given on the spot.
Clearview Federal Credit Union
8805 University Blvd
Moon Township, PA 15108-2580
Financial Institution Number - 52605181801
Yes, our Loss of Life protection is available on most consumer loans for just pennies a day up to a maximum of $100,000. First mortgages are excluded. credit card balances can also be protected up to $100,000.
Mobile Deposit
Mobile Deposit is available to Clearview members that are over the age of 16 and are enrolled in Online Banking with a valid email address.
Yes, business members who meet the requirements above are eligible for Mobile Deposit.
Yes, if you are an eligible member, simply log into Clearview’s mobile banking app on your supported mobile device and you will see a “Check Deposit” option. If you are a first time user, you will be prompted to accept the Mobile Deposit Disclosure and Agreement before receiving approval to proceed with the check deposit process, which may take up to two business days.
In order to use the Mobile Deposit Feature you will first have to update the Clearview App on your device to the most recent version. Once the most up-to-date version of Clearview's Mobile Banking App is on your device, the next time you log in using the App you will see a "Deposit Checks" option on your phone or a "Deposits" option on your iPad.
Properly endorse the check like you normally would, by signing the back of the check. Also, make sure you write "For Mobile Deposit Only" on the back of the check below your signature.
When taking the pictures you may receive one of the error messages listed below:

Folded or Torn Edges
Front Image not Legible
Amounts not Matching
Routing and Account Numbers Unclear
No Camera on Device
Image is too Dark
Access Denied
Restrictive Endorsement

Make sure you take both pictures in a well lit area on a contrasting background to avoid shadows and poor image quality. Also, make sure you keep your hands clear of the check while taking the pictures. This should help you avoid any of the errors above.
We recommend you keep the check in your personal files for 30 days. Securely store the paper check until you see the deposit on your statement. After 30 days, destroy/shred the check.
There is a daily deposit limit of $2,500 and a 30 day deposit limit of $5,000.
Yes, the following checks cannot be deposited through the Mobile Deposit service: Third Party Checks, Incomplete Checks, Non-Negotiable Items, Returned Checks, Altered Checks, Foreign Checks, Stale-Dated Checks and Post-Dated Checks.
Online Banking
Skip a Pay is a feature within Online Banking that allows you skip an eligible loan payment.
No. Your online account information is available only via secure access by using your User ID and password. The information is not public. Unless you share your password, no one else can access your account information online.
  • Transfer funds or set up a recurring transfer from your Clearview checking or savings account(s).
  • Transfer money from another financial institution using the "Pay My Loan or Credit Card" feature under the Move Money tab.
If you're traveling internationally please take the following steps:
  • You can now set travel notifications for your credit card(s) directly within Online Banking or Mobile Banking! Here's how to set yours up before your next trip:
    • Click on your card in the account summary section
    • Click the Communications tab
    • Click the Travel Notes tab
    From there, all you have to do is select your card, follow the prompts, and enjoy your travels!
  • Contact Clearview at 1-800-926-0003 prior to your departure with the dates and cities you will be traveling to so we can notate your cards for travel. We recommend taking more than one form of payment with you when you travel.
  • Make sure you have a PIN set up on all cards you will be taking with you, as you will be asked for a PIN number if using your card outside of the U.S. To set up a PIN:
    • For credit: 1-888-886-0083
    • For debit: 1- 866-985-2273
Yes, this is very important. We use email to communicate with Online Banking users. Please log into Online Banking and select My Profile. Under Personal Information, type your new email address in the “Email” section and click the “Update” button. You can also call us at 1-800-926-0003 and we will make this change for you.
You can skip any loan except for:
  • FFEL Student Loans
  • CU Student Choice Loans
  • First Mortgages
  • Home Equity Loans and Home Equity Lines of Credit
  • PowerLine Lines of Credit
  • Credit card payments
Only two months of payment(s) may be skipped per a 12-month period, with at least a 60-day span between any two Skip a Payments. Only six months of payment(s) may be skipped over the life of the loan.
Click on each account suffix (i.e. Checking 9). This will display your account history. You can adjust the amount of history to display by changing the date range at the top of this page. Members who have elected to receive E-Statements can access their account statements for even more history.
Protect yourself is by registering for real-time text fraud alerts for your Clearview credit and debit cards. Once registered, you'll receive a text and/or pre-recorded voice call when there's a suspicious transaction on your card.
 
Register today. It only takes a few minutes!
To access your credit card information, please click on “Manage Credit Card” under the Additional Services tab. Click “Enter” to be redirected to a secure site where you can view your balance, history, and eStatements (if enrolled).
There is a $35.00 processing fee per loan that cannot be added to the principal of your loan(s). By requesting to skip your loan payment(s), you are authorizing Clearview to automatically transfer the fee(s) from the account you’ve specified. The fee(s) transfer will occur immediately after receipt of your request to skip your loan payment. If funds for the $35.00 processing fee(s) for each loan are not in the indicated savings or checking account you select, your skip will not be set up.
Loans must be open for three months to be eligible for Skip a Pay.
Under the “Additional Services” menu in the main navigation, you will see a link called “Share access with others.” This link will take you to the page where you can add subusers and manage their permissions.
Call our Care Center at 1-800-926-0003 to make your payment from your debit card or checking account at another financial institution to your Clearview loan or credit card. There's a service fee per transaction.
Once you save the subuser, they will receive an email at the address you provided for them with directions on how to setup their account. Once they activate their account, the date of their most recent login will be displayed next to their name on the access management page.
Subusers will only be able to see accounts for which they were granted access when you, as the account holder, set them up. On the accounts to which they have access, they will be able to see the balance and transaction history, check images and download the transaction history. Subusers will be able to make transfers and bill payments from accounts which they have been granted permissions.

The subuser will not be able to access FinanceWorks, Purchase Rewards, online statements, Harland Clarke check ordering, or Access Point credit card information. They will also be unable to access your account from their mobile device (mobile web or the mobile application).
If you're unable to use any other methods to make a payment to your loan or credit card, please send payments to the following addresses:
  • Credit cards: Clearview Federal Credit Union, PO Box 71050, Charlotte, NC 28272-1050
  • Loan or deposit address: Clearview Federal Credit Union, ATTN: Payment Processing, 8805 University Blvd, Moon Twp, PA 15108-2580
The bill pay permission will only display for accounts that you have already setup as Payees. If you want to grant bill pay permissions to an account that is not currently a funding account, you must first go to the bill pay page and add this account as a funding account and then attempt to add a subuser again. The bill pay permission should then display for this account.
Yes, you can limit the amount of bill payments a subuser can pay. When you grant permissions for an account, you will be prompted to enter a transaction limit. You cannot grant access without defining a transaction limit. Any transactions submitted by the subuser that exceed this limit will require your approval before they process. We do not currently support transaction limits for internal transfers.
You can approve subuser transactions on the same page where you manage their permissions. To access this page, login to your account and under the “Additional Services” menu, click on the “Share access with others” link. The transactions that require your approval will be displayed at the top of this page with buttons to approve or deny the transactions.
Transactions that are pending approval do not show up on the main bill pay page. However, they will show up with a status of PENDING on the bill pay transaction history page. Transactions that are approved by the account holder will show up as normal scheduled payment on the main bill pay page. Transactions that are declined by the account holder will not be displayed on the bill pay page.
You will not be notified when the subuser makes transfers. If you have given the subuser access to make payments, you will be notified when they submit transactions.
In order to make account transfers, you must grant subuser transfers permission to both the “to” and the “from” accounts. It’s possible that the subuser cannot make transfers between the accounts that you intended them to transfer between because you did not grant transfers permissions for one of those accounts.
Yes, you can do this by granting either view only or transfer/payment permissions to the set of accounts you want the subuser to see and access.
Yes, you can prevent transfers between accounts by only giving the subuser view only access to an account.
You can edit the subuser’s name, email address, phone number, and permissions by clicking the “Edit” link next to their name on the Access Manager page. Account holders cannot edit a subuser’s username or password. The subuser must do this by logging in and making these changed in the “My Profile” menu.
Absolutely, and at any time! Go to the page where you gave them access, find their name, look at the Access slider, and change the permission from “Yes” to “No.” Doing this will revoke all subuser access and prevent them from logging into online banking altogether.
Call Clearview Online Banking Support at 1-800-926-0003, ext 6300. We can put the subuser on hold – this will prevent the subuser from logging into online banking.
The subuser should use the self service option to reset their password or retrieve their username. If the subuser needs further assistance, they will need to contact the account holder who can contact us for a password reset. We will identify the account holder via our standard procedures (Account Number/User Name and Security ID). We are unable to reset passwords for subusers since they should not have the account holder’s identification information.
Shared Access functionality is not available on mobile devices at this time.
Skip A Pay
Skip a Pay is a feature within Online Banking that allows you skip an eligible loan payment.
  • Transfer funds or set up a recurring transfer from your Clearview checking or savings account(s).
  • Transfer money from another financial institution using the "Pay My Loan or Credit Card" feature under the Move Money tab.
No. Your online account information is available only via secure access by using your User ID and password. The information is not public. Unless you share your password, no one else can access your account information online.
Yes, this is very important. We use email to communicate with Online Banking users. Please log into Online Banking and select My Profile. Under Personal Information, type your new email address in the “Email” section and click the “Update” button. You can also call us at 1-800-926-0003 and we will make this change for you.
You can skip any loan except for:
  • FFEL Student Loans
  • CU Student Choice Loans
  • First Mortgages
  • Home Equity Loans and Home Equity Lines of Credit
  • PowerLine Lines of Credit
  • Credit card payments
Only two months of payment(s) may be skipped per a 12-month period, with at least a 60-day span between any two Skip a Payments. Only six months of payment(s) may be skipped over the life of the loan.
Click on each account suffix (i.e. Checking 9). This will display your account history. You can adjust the amount of history to display by changing the date range at the top of this page. Members who have elected to receive E-Statements can access their account statements for even more history.
To access your credit card information, please click on “Manage Credit Card” under the Additional Services tab. Click “Enter” to be redirected to a secure site where you can view your balance, history, and eStatements (if enrolled).
There is a $35.00 processing fee per loan that cannot be added to the principal of your loan(s). By requesting to skip your loan payment(s), you are authorizing Clearview to automatically transfer the fee(s) from the account you’ve specified. The fee(s) transfer will occur immediately after receipt of your request to skip your loan payment. If funds for the $35.00 processing fee(s) for each loan are not in the indicated savings or checking account you select, your skip will not be set up.
Loans must be open for three months to be eligible for Skip a Pay.
Text Banking
There are two ways you can deactivate Text Message Banking. You can text “STOP” to the phone number 454545, using the phone activated on your account. You can also deactivate the service within Online Banking by clicking on the “My Settings” then "Alerts & Notifications" link and following the on screen instructions. It is recommended that you de-activate Text Message Banking if you are planning to change your phone number.
Wire Transfers
"When electronically wiring money to Clearview, please inform the financial institution from which the funds will be withdrawn of the following information:

Wire to:
Clearview Federal Credit Union
Moon Township, PA
ABA/Routing # 243 083 237

You Must Indicate:
Member Name
Member Account
Where you want the money designated
(checking, savings, loan payment, etc.)

If your financial institution requests the ""short name"", use Clearview FCU."
I've never had to change banks when I moved - Clearview moved right along with me. The people in the call center are just the best! Every call, in over 50 years, has been handled in a friendly, professional way. Who could ask for anything more? Bette, Member since 1968
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