FAQs

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.
 

Bill Pay is our free bill payment service, accessible through digital banking, that allows you to send, schedule, and track one-time or recurring payments.

Log in to digital banking and select Bill Pay from the Payments section. Next, select your country, read and agree to the terms and conditions, then select Complete Sign Up.
 

View our tutorial on how to make a payment with bill pay. Then log in to digital banking to get started.

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.

You can order checks in online banking. After logging in, select Order checks from the Manage account menu. At this time, checks aren't able to be ordered within our mobile app. If it's your first time ordering checks, you'll be asked to verify your account, name, and address information. If you need to update this information at a later date, please contact us 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.

Please contact us at 1-800-926-0003 to update your name or address on your checks. Name and address aren't able to be updated during an online check order.

Clearview Live^® is our video banking experience that combines friendly, face-to-face service with modern convenience. It’s available six days a week on your phone, home computer, and at various Clearview financial centers.

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.

 Clearview Live^® is available Monday – Friday 7 a.m. - 7 p.m. ET and Saturday 9 a.m. - 2 p.m. ET.

When you access Clearview Live^® on the app or home computer, you can:

• 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

When you access Clearview Live^® at a financial center on a VTM, you can:

• Deposit and cash checks
• Deposit and withdraw cash
• Make loan payments
• Make transfers between accounts

The main difference between VTMs and ATMs is the video banking technology that VTMs offer! VTMs can also function as ATMs and be used for standard transactions. Clearview will still have ATMs at all of our financial centers and a variety of other locations.

An overdraft occurs when you do not have enough money available in your account to cover a transaction, but we pay it anyway. Whether you have enough money in your account to cover a transaction is based on your available balance. See Clearview's Terms & Conditions to learn how the available balance works.

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 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.

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 qualified members who are at least 18 years old to overdraw their accounts. There is a $35 fee each time we pay an overdraft, capped at four fees per day. Overdrafts are paid at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

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.

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 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 to Courtesy Pay by calling our Care Center Representatives at 1-800-926-0003 or visiting a financial center.

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.

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.

You can use up to $4,000 daily in purchases or cash advances with your Clearview Debit Card in addition to the $500 maximum ATM withdrawal limit.

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.

If you're traveling internationally, please take the following steps:

• 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.

Use your Premium World^® Mastercard^® confidently knowing there are no foreign transaction fees!

We use email to communicate with digital banking users. Please log in to digital banking and select My profile under Manage account. 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'll make this change for you.

We use email to communicate with digital banking users. Please log in to digital banking and select My profile under Manage account. 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'll make this change for you.

If you're traveling internationally please take the following steps:

• 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.

Use your Premium World^® Mastercard^® confidently knowing there are no foreign transaction fees!

Protect yourself 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 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.

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.

Protect yourself 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!

You can make a one time or recurring transfer from your Clearview accounts in digital banking 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 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.

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, you can perform many key financial transactions through our robust digital suite, including digital banking, voice banking with Claire and Clearview Live® video banking. Need to bank in person? We have Shared Branch locations and a network of 80,000 surcharge-free ATMs nationwide.

You'll need a state issued ID and $10 to open your 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. 

Yes. Using ClickSWITCH, you can move your direct deposits and automatic payments to your new Clearview account. It's fast, convenient, secure, and automated, so you don't have to do a lot of heavy lifting. Just enter some basic information and let ClickSWITCH do the rest! 

Skip a Pay is a feature within Online Banking that allows you skip an eligible loan payment.

To obtain a payoff quote, please email [email protected]. Be sure to include loan number, name, address, and a good through date for the payoff.

No. Your online account information is available only via secure access by using your username and password. The information is not public. Unless you share your password, no one else can access your account information online.

We use email to communicate with digital banking users. Please log in to digital banking and select My profile under Manage account. 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'll make this change for you.

There is no penalty for early payoff.

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 make a one-time lump-sum payment toward the principal balance of your loan in order to re-amortize your mortgage with the new (lower) balance. Contact Midwest Loan Services at 1-800-262-6574 (please have your loan number ready, Midwest will advise of the minimum principal reduction amount). There is a $250.00 fee.

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.

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.

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 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.

Yes, please contact Midwest Loan Services at 1-800-262-6574.

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.

Manufactured homes on leased land, manufactured homes not on a permanent foundation, single wide manufactured homes, land loans, excessive acreage, working farms.

No, Clearview does not finance consumer construction loans.
 

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 digital banking to your make your mortgage payment.

Following the appropriate waiting period, a mortgage will be recorded against the property naming Clearview as the lender. This process can take some time depending on the county, but the process usually happens within 90 days.

Clearview will never send you letters that don't include our logo and are for a specific business purpose, such as a statement. Because the mortgage filing is a public record, third party sources may pay for certain data and solicit you for services they provide. If you have any questions about the legitimacy of the document, feel free to reach out to us at 1-800-926-0003. Normally, though, these letters are an attempt to have you respond to some offer of service that the company sells. If they don't specifically say they're from Clearview, they likely aren't. One key way of knowing that they are not from Clearview is that these letters commonly refer to Clearview as the lender rather than containing our logo. 
 

Yes, Real Estate Lending will assist with 1-2 family properties and Business Lending will assist with greater than 1-2 family properties.
 

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.
 

Check images are available for 90 days.
 

eStatements are available for 2 years.

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.

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 are reporting a claim that includes a protected credit card, please indicate such within the online comment section.

Yes, our Loss of Life protection is available on most consumer loans for just pennies a day up to a maximum of $100,000. Mortgages are excluded. Credit card balances can also be protected up to $100,000.

You're a member of Clearview when you open a savings account with just $10. Membership is open to is open to those who live, work, worship, attend school, or volunteer within our 10 county Western Pennsylvania footprint. You may also qualify if you are an immediate family member or share a residence with a current Clearview member. Once you’ve joined Clearview, you may remain a member for life, even if you move!
 
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.

We use email to communicate with digital banking users. Please log in to digital banking and select My profile under Manage account. 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'll make this change for you.

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.

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

If you are reporting a claim that includes a protected credit card, please indicate such to the claim service representative.

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.

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 avoid this fee by making a payment within digital banking. Learn more about your repayment options.

Mobile Deposit is available to Clearview members that are over the age of 13 and are enrolled in digital banking with a valid email address.

Yes, business members who meet the requirements above are eligible for Mobile Deposit.

Within the app, select Check deposit to get started. If you're new to mobile deposit, you'll need to accept the terms and conditions. 

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.

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 username and password. The information is not public. Unless you share your password, no one else can access your account information online.

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.

We use email to communicate with digital banking users. Please log in to digital banking and select My profile under Manage account. 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'll make this change for you.

We use email to communicate with digital banking users. Please log in to digital banking and select My profile under Manage account. 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'll make this change for you.

If you're traveling internationally, please take the following steps:

• 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.

Use your Premium World^® Mastercard^® confidently knowing there are no foreign transaction fees!

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.

If you're traveling internationally please take the following steps:

• 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.

Use your Premium World^® Mastercard^® confidently knowing there are no foreign transaction fees!

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 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.

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.

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 avoid this fee by making a payment within digital banking. Learn more about your repayment options.

Under the Manage account, select Share access with others. You'll be able to add subusers and manage subuser permissions. 

Protect yourself 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!

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.

You can make a one time or recurring transfer from your Clearview accounts in digital banking by selecting Make a transfer under Move money. To pay from another financial institution, select Pay my loan or credit card under Move Money. 

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).

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.

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. In digital banking, select Share access with others under Manage account. The transactions that require your approval will display at the top of the page with options 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 selecting Share access with others under Manage account. Then, select Options and Update profile for the subuser. Account holders cannot edit a subuser’s username or password. 

Absolutely, and at any time! In digital banking, select Share access with others under Manage account. Click the Access slider from Yes to No to update a users permissions. Changing the slider to No will revoke all subuser access and prevent them from logging into digital banking.

Call Clearview Online Banking Support at 1-800-926-0003. 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'll need to contact the account holder to contact us for a password reset. We're unable to reset passwords for subusers due to security reasons.

Shared Access functionality is not available on mobile devices at this time.

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.
 

Check images are available for 90 days.
 

eStatements are available for 2 years.

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 username and password. The information is not public. Unless you share your password, no one else can access your account information online.

We use email to communicate with digital banking users. Please log in to digital banking and select My profile under Manage account. 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'll 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 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.

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.

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.
 

Check images are available for 90 days.
 

eStatements are available for 2 years.

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. 

All requests must be received by 2:00 p.m. ET each weekday. Any requests received after that time will be processed on the next business day.

To send a wire you'll need to provide the following:

• 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

Yes, there is a $15 fee charged for both domestic and international incoming wire transfers.

There are no minimum dollar amounts for outgoing or incoming transfers.

Funds are generally received at the other financial institution within one to two business days.