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.

 

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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, you can access eClub via the ‘eClub’ button in Clearview’s Online Banking. (Log in to Clearview’s Online Banking via the login box on the home page at clearviewfcu.org, or if you aren’t yet enrolled in Online Banking, click the “New User” button in the login box.) 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 based on the activity in the account. Maintain a $10,000 combined balance per account number among all your Clearview deposits (savings, checking, IRAs and certificates), a $20,000 combined balance of your deposits and loans or deposit $5,000 or more in total direct deposits to your checking account during the month and the $5.00 monthly fee will be waived. If you are age 25 or younger, the $2.00 monthly fee will be waived.
 
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.
 
Bill Pay
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 branch, so you can do more without ever leaving your vehicle. They are staffed by our Personal Video Representatives located in our Personal Video Center in Wexford, Pa.  Our Representatives can communicate remotely with members at any location with Clearview Live, so you can complete transactions with face-to-face communication even after the branch 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 during the following hours:  Monday – Friday 7 a.m. - 7 p.m. and Saturday 9 a.m. - 2 p.m.
Most transactions that you complete in a branch with a teller can be done with a Personal Video Representative.  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 branches and a variety of other locations. Find a ATM or Financial Center location near you.
Courtesy Pay
Checks and other transactions made using a checking account number 
Automatic bill payments.
 
We have two options to cover your overdrafts: 

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.
 
For added protection you can authorize and pay overdrafts on your ATM and everyday debit card transactions; to do so, you must opt in to Extended Courtesy Pay. 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:

Regular share account
Member’s Choice 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 branch.
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 are traveling internationally please take the following steps:

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. Take more than one form of payment ie; Mastercard, Visa, etc.

Make sure you have a PIN (Personal Identification Numbers) 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 call: 1-888-886-0083 For debit call: 1- 866-985-2273
To access your Credit Card information, please click on “Manage Credit Card” under the Additional Services tab. Click “Enter” to be redirected to a new, secured site where you can view your balance, history, and eStatements (if enrolled).
Financial Health Checkup
The Financial Health Checkup is way for us to understand your financial picture. It includes a simple, high-level overview of your current budget and credit reporting information, as well as your savings goals, both long-term and short-term. Our experts will take the time to review your credit report in detail and analyze your current budget (including credit cards, mortgages, auto loans, as well as household expenses). They will also look for ways to create room in your budget for “paying yourself” savings opportunities. Once they’ve reviewed your current financial picture, our experts will provide you with personalized solutions. This could include reducing your monthly bills, giving you consolidation options to lower rates and payments, and a savings plan.
We will want to take some time to understand your current situation and where you would like to be. Having an idea of your dreams, retirement goals, and current banking habits could help. Once our experts share their ideas for your personalized solutions, we will ask for additional information.
Our experts will order a credit report with your consent in order to thoroughly review your credit history. If you would prefer, you can also provide a copy of your current credit report for our experts to review.
You should hear back from one of our experts within 2-3 business days from your initial inquiry. We view the Checkup as an on-going conversation in which we work with you to achieve financial wellness. Beyond the initial inquiry, we will reach out to you periodically to check-in on your “health.”
Not if you don’t want to! You can get started on your Financial Health Checkup using this form. You’ll give Clearview permission to obtain a credit report and our experts will begin your checkup.
Our experts can discuss ideas we have for members and non-members. But to really take advantage of all we can offer, being a member is the best option.
This is a totally FREE service.
No. But keep in mind that we are thinking of your best interests. Whether you want to take advantage of our options, wait until a later date, or not, we are willing to perform the Checkup. Most importantly, we’re willing to revisit your options any other time. This is not a limited time offer - the Financial Health Checkup is available to you at any time.
A Financial Health Checkup is not dependent on having a large sum of money. Our main goal is to ensure the financial wellbeing of our members and to help them enjoy a better life. We are confident we can provide suggestions to everyone , regardless of wealth or debt.
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 savings account(s) or checking account to make a payment on your loan or Visa. Pay your Clearview loan or Visa using an external checking account or debit card. Log in to Online Banking and select Pay My Loan or Visa under the Move Money tab. Pay your Clearview Visa using an external checking or savings account. Log in to Online Banking and select Manage Visa Credit Card under the Additional Services 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 onto Online Banking and select My Settings, then under Primary email select “Edit”. Then, type your new email address in the "Primary email" section and click the "Save" button. You can also call us at 1-800-926-0003 and we will make this change for you.
Transfer funds from your Clearview savings account(s) or checking account to loans or Visa within the mobile app.
Pay your Clearview loan or Visa using an external checking account or debit card. This allows you to make payments anytime and anywhere! Mobile Deposit -You can take a picture of a check you received or a personal check you wrote and deposit it to your Clearview account, then transfer the money to make your loan or Visa payment. You must be a member for 30 days and enrolled in Online Banking to use Mobile Deposit.
FFEL Student Loans, CU Student Choice Loans, First Mortgages, Home Equity Loans and Home Equity Lines of Credit, PowerLine Lines of Credit and credit card payments are not eligible to skip. All other loans are eligible.
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.
ACH Direct Deposit – 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.

Contact Clearview at 1-800-926-0003 or stop by any branch for your ABA # and correct account number. ACH Debit Origination – Have your loan payment withdrawn directly from your checking account at another Financial Institution to make your loan payment.

Contact Clearview at 1-800-926-0003 or stop by any branch for your ABA# and correct account number.
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 new, secured site where you can view your balance, history, and eStatements (if enrolled).
Clearview is part of a shared branching network called CO-OP Shared Branch that links thousands of credit unions nationwide. With this network members have access to over 5,000 other credit unions nationwide. You may stop into any Shared Branch 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 is a service fee per transaction for this service.

Over the Phone Transfer
Call our Care Center at 1-800-926-0003 to make your payment from your savings or checking account at Clearview or to your Clearview loan or credit card. There is a service fee per transaction for this service.
You can conveniently access your mortgage information online. To access your account online, you must first register by clicking on the “Register” tab on the Midwest Mortgage website. You will need your loan number and Social Security number to access any information. Online Banking - Transfer funds from your Clearview savings account(s) or checking account to your make your mortgage payment.
If you an unable to use any other methods to make a payment to your loan or credit card, please remit payments to the following addresses: Credit Card payment address is: Clearview Federal Credit Union, PO Box 71050, Charlotte, NC 28272-1050 Loan or Deposit address is: 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.
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.
Clearview Federal Credit Union
8805 University Blvd
Moon Township, PA 15108-2580
Financial Institution Number - 52605181801
Mobile Deposit
Mobile Deposit is available to Clearview members with an account that has been open for at least 30 days, 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 savings account(s) or checking account to make a payment on your loan or Visa. Pay your Clearview loan or Visa using an external checking account or debit card. Log in to Online Banking and select Pay My Loan or Visa under the Move Money tab. Pay your Clearview Visa using an external checking or savings account. Log in to Online Banking and select Manage Visa Credit Card under the Additional Services tab.
If you are traveling internationally please take the following steps:

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. Take more than one form of payment ie; Mastercard, Visa, etc.

Make sure you have a PIN (Personal Identification Numbers) 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 call: 1-888-886-0083 For debit call: 1- 866-985-2273
Yes, this is very important. We use email to communicate with Online Banking users. Please log onto Online Banking and select My Settings, then under Primary email select “Edit”. Then, type your new email address in the "Primary email" section and click the "Save" button. You can also call us at 1-800-926-0003 and we will make this change for you.
FFEL Student Loans, CU Student Choice Loans, First Mortgages, Home Equity Loans and Home Equity Lines of Credit, PowerLine Lines of Credit and credit card payments are not eligible to skip. All other loans are eligible.
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 new, secured 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 is a service fee per transaction for this service.

Over the Phone Transfer
Call our Care Center at 1-800-926-0003 to make your payment from your savings or checking account at Clearview or to your Clearview loan or credit card. There is a service fee per transaction for this service.
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 an unable to use any other methods to make a payment to your loan or credit card, please remit payments to the following addresses: Credit Card payment address is: Clearview Federal Credit Union, PO Box 71050, Charlotte, NC 28272-1050 Loan or Deposit address is: 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.
Popmoney
Popmoney is an innovative personal payment service offered by leading financial institutions that eliminates the hassles of checks and cash. Now, sending and receiving money is as easy as emailing and texting. Best of all, you don't need a new account to send or receive money. Just use your current credit union account.
Sending Money
To send money, log in to your Online Banking account and look for Popmoney under the Move Money tab.

Send money to anyone using his/her email address, mobile number or account information.

You will be notified when the transaction is completed.

Receiving Money
You receive an email or text message telling you someone sent you money.

Log in to Online Banking to accept the transaction and direct the funds to your account.

If you don't provide your account information, the payment will be automatically returned to the sender's account.

Once you accept the payment, the money will be automatically deposited to the account you specified. It's just that easy!
Popmoney is easy and convenient for you and the people you send money to... they can simply receive the money in their account online, saving them a trip to the bank/credit union.

Use Popmoney to:

Send money to your child at college Send a gift to family and friends Pay back friends for that fun outing Pay your babysitter or your lawn care service Pay rent to your landlord or roommates
No, your account information will not be shared with the recipient. Your recipient will see your first name, last name, and the message you wrote for the payment; if you sent the payment to your contact's email address, your recipient will also see your email address. Similarly, you won't be able to see your recipient's account information.
Verification of your email address and phone number is required for security reasons. Entering the correct verification codes ensures that you have access to your email and phone. You may also be asked to verify your mobile phone in the future to send and receive payments.
You can send money to someone using his/her:

Email address: your contact will receive an email with instructions on how to direct the payment into his or her bank/credit union account.

Mobile number: your contact will receive a text message with instructions on how to direct the payment into his or her bank/credit union account. Bank/credit union account information (routing and account number): the money will be directly deposited into your contact's bank account. You will also have the option to send the contact a notification email.
Next Day Popmoney
Your contact will receive transactions up to $1,000 in one business day.

Standard Delivery - 3 business days
Your contact will receive the money in 3 business days if you're sending money to someone who has used Popmoney and turned on Automatic Deposit, or if you have provided your contact's bank/credit union account information.
If you are sending the payment via email or mobile, your contact must provide his/her account information; s/he will receive the funds 3 business days later.
For your protection, limits have been created on how much money and how many payments can be sent during various time periods. Please click the Icon next to the Amounts field to view your available limits.
Clearview currently does not charge any fees for the use of Popmoney. It’s free for members!
A personal message gives the contact the confidence that s/he is receiving the payment from someone they know. It is also an opportunity for you to communicate the purpose of the payment to the contact.
You may not send money to contacts' bank accounts, email addresses or mobile numbers that are suspended or on hold.

For your protection, your contacts' bank accounts, email addresses or mobile numbers may be placed on hold or suspended for various reasons. For example, if you fail verification when attempting to send money to them, this would result in a hold. Please call 1-800-926-0003 to remove a hold or suspension.
Yes, you may cancel a payment anytime before or on the send date. Your contact will be notified if you cancel a payment after a payment notification has been sent.
There are two ways to add a contact:

Click on the “Add a Contact” link located next to the “To” entry field on the “Send Money” screen. Please enter the required fields on the popup window and click “Save”.
Click on the “Contacts” tab and click on the “Add Contact” button. Please enter the required fields and click “Save”.
If you are expecting a payment and you do not see it in your Incoming Payments, this is most likely because you have not added the email address or mobile number to which the payment was sent. Have you added this email address or mobile number? If not, go to Preferences to add and verify it. Once you are done, you will be able to see the payment immediately.
Click “Activity” to view the estimated date when the funds will be available.
As a security precaution, the sender provided your mobile number when s/he scheduled the payment. You need to verify access to this mobile number in order to confirm your identity and receive the funds.
Please contact the sender to edit the mobile number. The sender can edit the mobile number by clicking “Activity” and editing the transaction.

Do not attempt to deposit this payment! The funds will be returned to the sender if you are unable to verify access to the mobile phone.
Automatic Deposit is the easiest and fastest way to receive money. It allows you to designate one account into which all incoming payments will be automatically deposited. Once turned on, there's nothing more for you to do - you will be notified of incoming payments via email or text message, and the payment will be sent into your selected account. You can edit Automatic Deposit settings in Preferences.
There are two reasons why automatic deposit may not work for incoming payments:

The payment was sent to an email address or mobile number not currently in your profile. Please click “Preferences” to add and verify additional email addresses or mobile numbers.
As an extra security precaution, the sender is sometimes required to provide your mobile number when s/he schedules the payment. You need to verify access to this mobile number in order to receive the payment.
You have 10 days from the send date to deposit the payment. When a payment expires, the funds are returned to the sender. Please contact your sender to request another payment if you still wish to receive the funds.
Below is a list of all the possible payment statuses and their definitions:

On Hold:
The payment was placed on hold because the sender failed verification when attempting to schedule the payment. Please call 1-800-926-0003 to remove the hold.

Pending:
If this is a payment you sent, the recipient was notified of this payment. The funds will be withdrawn from your credit union account the next day. If this is a payment you received, the payment is being processed and the funds will be deposited into your credit union account within 3 business days.

In Progress:
If this is a payment you sent, the recipient was notified of this payment and the payment is being processed. If this is a payment you received, the funds are en route and will be deposited into your account within 3 business days.

Failed:
A payment may fail due to one of the following reasons: The recipient is unable to validate access to the mobile phone as provided by the sender. The funds could not be deposited into the bank account provided by the recipient. There are insufficient funds in the account to cover the amount of the payment.

Stopped:
The sender stopped the payment after the send date. The funds are returned to the sender's account.

Expired:
The recipient has 10 days from the send date to provide instructions on how to deposit the payment, after which the payment expires and the funds are returned to the sender's account.

Completed:
The payment has successfully been deposited into the recipient's account.
A payment may fail due to one of the following reasons:

The recipient is unable to validate access to the mobile phone as provided by the sender.
The funds could not be deposited into the account provided by the recipient.
There are insufficient funds in the account to cover the amount of the payment.
You can stop a payment anytime after the send date provided the payment has not been deposited into the recipient's account. To stop a payment, go to “Activity” and click the “Stop Payment” button. You will not see the Stop Payment button when the option is no longer available.
To view or edit future-dated payments and recurring payment plans, click on the Scheduled Payments tab.
Below is a list of all the possible scheduled payment or payment plan statuses and their definitions:

Active: The payment plan has been scheduled. It will be processed per your instructions when the send date arrives.

Cancelled: The payment or payment plan was cancelled by the sender.

On Hold: The payment or payment plan was placed on hold because the sender failed verification when attempting to schedule it. Please call 1-800-926-0003 to remove the hold.

Pending: The payment has been scheduled. It will be processed per your instructions when the send date arrives.
Yes, you can edit or cancel a future-dated payment anytime before the send date. You can only edit certain fields, which include Send Date, Amount, Subject Line, Personal Message, and My Notes.

You can also stop a payment anytime after the send date, provided the payment has not been deposited into the recipient's bank/credit union account. To stop a payment, go to “Activity” and click the “Stop Payment” button. You will not see the Stop Payment button when the option is no longer available.
Yes, you can edit or cancel the next payment anytime before the send date or the entire recurring payment plan at anytime. For the next payment, you can edit the Send Date, Amount, Subject Line, and Personal Message, without affecting the rest of the plan. For the entire recurring payment plan, you can edit the same fields as well as the Frequency and Duration.
The information you provide on a contact determines how the payment you send to them will be processed and how s/he will be notified.

email address: your contact will receive an email with instructions on how to direct the payment into his or her bank/credit union account. mobile number: your contact will receive a text message with instructions on how to direct the payment into his or her bank/credit union account. account information (routing and account number): the money will be directly deposited into your contact's bank/credit union account. You will also have the option to send the contact an email.
For your protection, your contacts' bank/credit union accounts, email addresses or mobile numbers may be placed on hold or suspended for various reasons. For example, if you fail verification when attempting to send money to them, this would result in a hold. Please call 1-800-926-0003 to remove a hold or suspension.
By adding multiple email addresses and/or mobile numbers, you can receive payments made to them. For example, this is helpful for individuals who have separate email addresses or mobile numbers for personal friends and work colleagues.
Automatic Deposit is the easiest and fastest way to receive money. It allows you to designate one account into which all incoming payments will be automatically deposited. Once turned on, there's nothing more for you to do - you will be notified of incoming payments via email or text message, and the payment will be sent into your selected account. You can edit Automatic Deposit settings in Preferences.
You can access Popmoney at multiple locations. If you have enabled Automatic Deposit for the same email address or mobile number at more than one location, then the most recent Automatic Deposit setting will be in effect, overriding any previous Automatic Deposit settings associated with that particular email address or mobile number.
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 savings account(s) or checking account to make a payment on your loan or Visa. Pay your Clearview loan or Visa using an external checking account or debit card. Log in to Online Banking and select Pay My Loan or Visa under the Move Money tab. Pay your Clearview Visa using an external checking or savings account. Log in to Online Banking and select Manage Visa Credit Card under the Additional Services 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 onto Online Banking and select My Settings, then under Primary email select “Edit”. Then, type your new email address in the "Primary email" section and click the "Save" button. You can also call us at 1-800-926-0003 and we will make this change for you.
FFEL Student Loans, CU Student Choice Loans, First Mortgages, Home Equity Loans and Home Equity Lines of Credit, PowerLine Lines of Credit and credit card payments are not eligible to skip. All other loans are eligible.
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 new, secured 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."
“Clearview takes the time to understand the customer at a human level instead of as numbers on a paper.” William, Member since 2016
Learn More- Go to membership page
Learn More- Go to membership page