FAQs

Any individual or company you choose within the United States. For example, your utilities or mortgage. The only exceptions are any government agency including but not limited to federal, state, and local taxing authorities.

View our tutorial on how to add a new payee, then log in to digital banking to get started.

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 Deliver By date. Payments made by check will reflect 5 business days between the Send On and the Deliver By date. Electronic payments will reflect 3 business days or less.

We process and transmit payment requests Monday-Friday at 10:30 p.m. ET, excluding holidays. Any pending payments on the system will be processed at that time. Payments submitted after 10:30 p.m. ET Friday will not be processed until the end of the next business day.

You can quickly view pending payments or the last 5 payments processed in the "My Payments" box or by selecting "View payment history" link. At that point, you can consider the payment to be processed and the funds will be withdrawn from the account within 2 business days.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, search for the payee name in the "My Payments" box or from the "View payment history" page.

You can edit any scheduled payment up until the time processing begins for the payment.

To edit a scheduled payment:

1. Locate the payment in the “Scheduled payments” section and select its corresponding edit icon.
2. 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.
3. Click the “Save Changes” button.

A stop payment cannot be placed on a processed Bill Pay 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 Funds are withdrawn from the account via ACH within 2 business days of the Sent Date by our processor.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 Deliver By date, your payment is guaranteed to be delivered on time by our processor. If it's 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 Digital Support Team at 1-800-926-0003. You'll be assessed an $18 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 will block your Bill Pay activity. In most cases, our processor 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 our processor is unsuccessful in collecting the funds, you'll be submitted for internal collections. In order to settle collection items with our processor, please contact 877-346-5272, Monday-Friday 8:00 a.m. to 7:00 p.m. ET.

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.

To cancel the Bill Pay service, please call the Digital Support Team at 1-800-926-0003.

• 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

• 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.

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.

Yes! Feel right at home even when you're miles away with convenient access to your Clearview accounts nationwide. As part of the Co-Op Shared Branch Network, Clearview members can perform routine transactions coast to coast at any of the 5,000 participating credit unions and 30,000 surcharge-free ATMs.

View our tutorial on how to make a mobile deposit.

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.

Our deposit limits for members ages 16 and older are $5,000 per day and $7,000 per rolling month. For members ages 13 through 15, our deposit limits are $1,250 a day and $2,500 per rolling month.

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.

Check images are available for 90 days.

eStatements are available for 2 years.

If you wish to delete your digital banking account, please call us at 1-800-926-0003. Our Care Center will be happy to help you. 

Please note that when we delete your digital banking account:

• You, or anyone you have shared access with, will no longer be able to log in to online banking or our banking app.
• You will not be able to see electronic copies of past account eStatements. If you have opted in to receive eStatements and/or tax documents, your preferences will be changed to receive paper statements and paper tax documents. Note: There is a fee to receive paper statements and/or tax documents.
• Any activity you previously set up within online banking or our banking app will be disabled and/or deleted. This includes account alerts, Bill Pay, external transfers to/from other accounts, Zelle® transactions to/from other people, external loan payments, mobile deposits, and scheduled or recurring transfers, as well as any history for any of these services.
• Your Clearview financial accounts and loans will remain open and unaffected.

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 Additional services.

Cash back rewards will take at least 30 days to be deposited into your account. You can track the status of your rewards under Earned summary in Purchase Rewards.

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.

To de-active text message banking, text “STOP” to the phone number 454545, using the phone activated on your account. You can also deactivate the service within online banking by selecting My Settings then Alerts & Notifications. 

If you wish to delete your digital banking account, please call us at 1-800-926-0003.  Our Care Center will be happy to help you. 

Please note that when we delete your digital banking account:

• You, or anyone you have shared access with, will no longer be able to log in to online banking or our banking app.
• You will not be able to see electronic copies of past account eStatements. If you have opted in to receive eStatements and/or tax documents, your preferences will be changed to receive paper statements and paper tax documents. Note: There is a fee to receive paper statements and/or tax documents.
• Any activity you previously set up within online banking or our banking app will be disabled and/or deleted. This includes account alerts, Bill Pay, external transfers to/from other accounts, Zelle^® transactions to/from other people, external loan payments, mobile deposits, and scheduled or recurring transfers, as well as any history for any of these services.
• Your Clearview financial accounts and loans will remain open and unaffected.

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.

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.