FAQs
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.
- 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
You can edit any scheduled payment up until the time processing begins for the payment.
To edit a scheduled payment:
- Locate the payment in the “Scheduled payments” section and select its corresponding edit icon.
- You'll then be allowed to change the payment's deliver by date, payment amount, funding account from which you are paying, payment category, payment memo, and add or edit a personal note to your payment.
- Click the “Save Changes” button.
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 your account access is reinstated. Recurring pending payments with a "Send On" date in the future WILL be automatically re-scheduled. For additional information, contact the Digital Support Team at 1-800-926-0003.
If you don't use online banking, 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.
You can access Clearview Live® on your phone, on your computer, or at a financial center.
- Download the Clearview Live® app from the Google Play store or App Store and tap Quick Video Call to get started. You can also create a video profile to save your information for future sessions.
- Start a video call from your computer using the camera icon at the top of clearviewfcu.org.
- Visit our Clearview Live® video teller machines, found at nine financial centers throughout Southwestern Pennsylvania, and let our friendly video associates assist you with your banking needs.
- Join the Clearview family
- Apply for a credit card or loan
- Open a new savings or checking account
- Ask questions about your account, including assistance using digital banking.
- Deposit checks
- Deposit and cash checks
- Deposit and withdraw cash
- Make loan payments
- Make transfers between accounts
Overdraft Protection Transfers allow automatic transfers for no fee from your savings, Money Market, and Member's Choice accounts, or PowerLine and Home Equity Lines of Credit. Overdraft protection can be set up at any time. Please contact us as 1-800-926-0003 to verify your current setup 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. There is no fee for an Overdraft Protection transfer.
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.
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. There is no fee for a traditional Overdraft Protection transfer.
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
The limit for Courtesy Pay is based on algorithms, or a set of rules, that weigh numerous factors and account holder behaviors including an account holder’s usage patterns or relationship with us to assess an account holder’s ability to repay an overdrawn balance. The maximum limit you may receive is $1,750.
No. The overdraw limit is not part of your balance. Rather, it is simply a threshold the Credit Union may extend to you beyond your available checking balance.
While Clearview will strive to pay transactions that total less than your system-generated Courtesy Pay limit, we may pay or return items at our discretion.
If the amount of an overdraft item would exceed your Courtesy Pay limit, we may not cover that item.
You can opt out of the service at any time by contacting our Care Center at 1-800-926-0003 or visiting a financial center. 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 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)
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.
We value your relationship with us and in an effort to provide excellent customer service, we strive to pay items presented on your account against insufficient funds. Courtesy Pay and Extended Courtesy Pay, our discretionary overdraft services, are offered in anticipation that you will be making an immediate deposit.
You may opt out of Extended Courtesy Pay at any time. Please call Clearview at 1-800-926-0003, visit a financial center, or email us at [email protected]. If you choose to email us, please remember not to include any confidential information.
Yes. Clearview maintains the right to remove Courtesy Pay privileges from your account at its sole discretion. We are not obligated to honor any item presented for payment if the account does not contain sufficient available funds.
- Set travel notifications for your debit and credit card(s) from our Card Defense® app. Within Card Defense®, tap on your card, and select Travel Notifications. If you have multiple cards, you'll have to set the notification for each card individually. You can also contact us at 1-800-926-0003 prior to your departure with the dates and cities you’ll 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.
- You'll be asked for a PIN number if you're using your card outside of the U.S., so make sure you have a PIN set up on all cards you'll be taking with you. To set up a PIN for credit cards, call 1-866-576-1342, and for debit cards, call 1-866-985-2273.
- Set travel notifications for your debit and credit card(s) from our Card Defense® app. Within Card Defense®, tap on your card then select Travel Notifications. If you have multiple cards, you'll have to set the notification for each card individually. You can also contact us 1-800-926-0003 prior to your departure with the dates and cities you’ll 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.
- You'll be asked for a PIN number if you're using your card outside of the U.S., so make sure you have a PIN set up on all cards you'll be taking with you. To set up a PIN for credit cards, call 1-866-576-1342, for debit cards, call 1-866-985-2273.
Register today. It only takes a few minutes!
You can get a new credit or 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 credit and debit cards.
Register today. It only takes a few minutes!
To review recent transactions, select your credit card from the My accounts page. For additional credit card information, under Manage account, select Manage my credit card.
To view or redeem your rewards, select Premium Perks under Manage account.
To qualify for membership, you must live, work, worship, attend school, or volunteer in one of these counties: Allegheny, Armstrong, Beaver, Butler, Fayette, Greene, Indiana, Lawrence, Washington, or Westmoreland.
You can also qualify by being an immediate family member (spouse, parent, child, sibling, grandparent, or grandchild) of a current or potential Clearview member. People living within the same residence and maintaining a single economic unit with a current Clearview member or eligible primary member also qualify.
- 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
When your reward status reads Received, the funds are on their way! Funds should be deposited into your account within the next few weeks once your reward shows received. If your reward shows failed, please contact us to further investigate the issue with your reward.
Please have this information ready about the covered person:
- Full name
- Date of birth
- Address
- Date of event
- Cause of event
You can start the process online at securian.com/benefits and following the steps below.
- Select the “bank, credit union, finance company, mortgage company” button
- Click on “Start a new claim”
- Once the claim is received, it will be reviewed and you will be notified if it is approved, denied, or if more information is needed
- Please continue making the loan payments until a claim decision is communicated to you
- Once you’ve reported a claim, access your claim information and status at securian.com/benefits
If you're not currently a member and are approved for a loan, your general membership is built in to that process. Learn more about eligibility and benefits.
- 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.
You can start the process over the phone by calling the claim contact center at 1-800-328-9442.
- Once the claim is received, it will be reviewed and you will be notified if it is approved, denied or if more information is needed
- Please continue making the loan payments until a claim decision is communicated to you
- Once you’ve reported a claim, access your claim information and status at securian.com/benefits
Claim status can be found at securian.com/benefits or by calling us at 1-800-328-9442 Monday – Friday 7 a.m. to 6 p.m. CST.
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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.
- Set travel notifications for your debit and credit card(s) from our Card Defense® app. Within Card Defense®, tap on your card, and select Travel Notifications. If you have multiple cards, you'll have to set the notification for each card individually. You can also contact us at 1-800-926-0003 prior to your departure with the dates and cities you’ll 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.
- You'll be asked for a PIN number if you're using your card outside of the U.S., so make sure you have a PIN set up on all cards you'll be taking with you. To set up a PIN for credit cards, call 1-866-576-1342, and for debit cards, call 1-866-985-2273.
- 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
- Set travel notifications for your debit and credit card(s) from our Card Defense® app. Within Card Defense®, tap on your card then select Travel Notifications. If you have multiple cards, you'll have to set the notification for each card individually. You can also contact us 1-800-926-0003 prior to your departure with the dates and cities you’ll 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.
- You'll be asked for a PIN number if you're using your card outside of the U.S., so make sure you have a PIN set up on all cards you'll be taking with you. To set up a PIN for credit cards, call 1-866-576-1342, for debit cards, call 1-866-985-2273.
You can make a payment to your credit card in digital banking, over the phone, or by mailing a check.
In digital banking, you can make a one time or recurring transfer from your Clearview accounts by selecting Make a transfer under Move money. To pay from another financial institution, select Pay my loan or credit card under Move Money.
To pay by phone, call our Care Center at 1-800-926-0003. There's a service fee per transaction. You can avoid this fee by making a payment within digital banking.
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.
You can also make a one-time payment to your loan without logging in to digital banking using our Make a Payment Portal. There's a service fee per transaction. We have payment options in digital banking where you can avoid a fee. Business loans, Midwest mortgages, and credit cards cannot be performed through this payment channel. Learn more about your repayment options.
Register today. It only takes a few minutes!
You can get a new credit or 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 credit and debit cards.
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).
To review recent transactions, select your credit card from the My accounts page. For additional credit card information, under Manage account, select Manage my credit card.
To view or redeem your rewards, select Premium Perks under Manage account.
When your reward status reads Received, the funds are on their way! Funds should be deposited into your account within the next few weeks once your reward shows received. If your reward shows failed, please contact us to further investigate the issue with your reward.
- 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
When your reward status reads Received, the funds are on their way! Funds should be deposited into your account within the next few weeks once your reward shows received. If your reward shows failed, please contact us to further investigate the issue with your reward.
- the name and address of your receiver
- the account and ABA/routing number of your receiver
- the receiving account type (mortgage, loan, checking, or savings)
- the name and address of their financial institution
- any special instructions