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FAQs

 
Can I have an account at Success Credit Union?

If you have an immediate family member* who is a member, or who is eligible for membership, you can join Success Credit Union! Additionally, the following may join:
  • Employees, volunteers and retirees of our Select Employer Groups.
  • Household members of eligible members.
  • Anyone who lives, works, worships or attends school in St. Francis County Arkansas.
*Immediate family is defined as spouse, child, sibling, parent, grandparent, or grandchild. This includes stepparents, stepchildren, stepsiblings, and adoptive relationships.

Why should I do business with a credit union - aren't all financial institutions the same?

A credit union isn’t simply “another financial institution.” Credit unions are unique because they are owned by people like you who simply want to make a better financial life for themselves.

A few ways credit unions are different:
 
  • Credit unions are NOT-FOR-PROFIT and income is returned to the cooperative’s members through attractive rates, lower/fewer fees and expanded services. We do not have stockholders – only members.
  • Credit unions have a volunteer board made up of members, voted on by other members.
  • A full-array of services are offered, all geared in some way to bettering the financial lives of members. An example is Success Credit Union’s credit builder loans.
  • Credit unions are committed to member financial education because we know when members know better, they can do better. 
How much does it cost to open an account?

All members start with a $5 deposit into a savings account that remains in the account for the lifetime of the membership.
 
Open a FREE checking account with a starting deposit of $25.

If I qualified to join Success Credit Union through my job, do I have to close my account if I change employers?

No – you may keep your credit union account and we will help you transition your payroll if you need assistance.
How can I find out the amount of my deposit or balance?

Information is available 24/7, 365 days a year in a variety of free and convenient ways:
What transactions are pending (on hold)?

If you forget to record a transaction, Online Teller provides details on pending holds.
  • Simply click on checking account and select “holds” in the top menu.
Please note that hold times vary and this feature will not always be representative of all outstanding items.
 
This option does not replace maintaining a check register.
 
How can I order checks?

You can order checks here, or visit a service center.
 
I need my account number and routing number. Can I get that over the phone?

We cannot provide an account number over the phone. Success Credit Union’s routing number is 284174613.
 
What are your loan/deposit rates?

You can find our rates here. Be sure to ask about potential discounts on auto and personal loans.
 
I have bad credit: Can I still get a loan?

We do our best to help every member determine when and if a loan is the best option depending on each member’s unique needs. Additionally, Success Credit Union offers resources to help you better understand your credit, and we have staff members who will visit with you to give you a better idea of your next steps for improvement.
How can I avoid a check cashing fee?

The $5.00 check cashing fee is waived if you have a loan or credit card with the credit union, or a minimum average balance of $250.00.
Why did the credit union place a hold on a check I deposited?

Success Credit Union places holds according to its Funds Availability Policy. Our decision to place a hold on a deposited check may be influenced by a number of factors, including:
 
  • Circumstances that cause us to doubt that a deposited check will be paid by the financial institution on which it is drawn.
  • The length of the membership/account relationship with Success Credit Union.
  • History of your relationship with Success Credit Union– for example, sufficient balance history, number of overdrafts.
How can I know if a check has cleared?

Transaction information is available 24/7, 365 days a year in a variety of free and convenient ways:
You can also setup a text alert to notify you when a check clears or search for a particular check in Online Teller.
Can I set up my online banking?

A Success Credit Union staff member can assist you with setting up your Online Teller account; contact us by phone or visit a branch to get started.  You will need to use your login credentials on a personal computer to complete online banking enrollment.
 
How do I reset my online banking password?

Click the “Forgot Your Password” link to reset your online banking password.  However, after a certain number of incorrect attempts, you will need to contact the credit union to have your password reset.
 
What is BillPay?

More information about our BillPay service is listed on our BillPay FAQ page.
 
How do I download the mobile app?

After completing your online banking enrollment on a personal computer, you can download the FREE Success Credit Union mobile app in iTunes or GooglePlay to access your accounts 24/7.
 
How can I sign up for mobile deposit?

To sign up for mobile deposit:

  1. Sign in to the Success Credit Union mobile app.
  2. Select “Deposits” from the drop-down menu.
  3. Register for the Mobile Deposit service and accept terms & conditions.
  4. Mobile deposit access can take up to 24 hours after registration; once access is granted, service is available to make deposits.
How do I need to endorse my check for mobile deposit?

All items need to be endorsed “For mobile deposit only.”  If endorsement is not correct, an error message will display with information on what is needed to move forward with the deposit.

 
How can I find your locations and branch hours?

You can find your nearest Success Credit Union branch by visiting our Locations & Hours page.
 
How can I find a Success Credit Union ATM?

You can search for a Success Credit Union ATM on our Locations & Hours page. 
 
Success Credit Union also offers thousands of surcharge-free ATMs through the Allpoint network and PulseSelect/Moneypass.
 
Will I have to pay an ATM fee?

There is no fee for usage of Success Credit Union ATM or ATMs available through Allpoint or PulseSelect/Moneypass network.  There is a $2.00 transaction fee when using foreign ATMs.  
 
Please note the financial institution which owns or operates the foreign ATM may impose an additional fee.
 
 
How do I activate a debit or credit card?

There are several ways to activate a debit or credit card.

  • Login to Online Teller.  Click on Options, select Cards, and complete activation.
  • Visit an ATM or retailer to do a PIN-based transaction.
  • Call the Transaction Line.  Please note the PIN needed for Transaction Line is not the same as your debit/credit card PIN.  Contact the credit union if you do not know your Transaction Line PIN.
What do I do if my debit or credit card is lost or stolen?

Contact (1-888-297-3416), or you can contact the credit union at
(870-763-1111) during normal business hours.

A box of checks was lost/stolen, what should I do?

Contact the credit union during regular business hours.