CECU Services for managing your finances
Convenient Ways to Manage Your Money
Simple tools to help you manage your money whenever and wherever you need. Whether you're across town or across the country, we’re right here with you to make sure your banking stays easy, secure, and completely on your terms.
Shared Branching: Banking Wherever You Are
As a member of the Co-Op Shared Branching, you have access to thousands of "Shared Branches" nationwide. You can make deposits, withdrawals, loan payments, and transfers just like you would at a CECU office. It’s perfect for when you’re traveling or just across town.
What to bring: Your CECU account number and a current photo ID.
Note: Shared branches are great for everyday transactions, but they cannot process new loans or handle Trust/Estate accounts.
Using Shared Branching Out of State?
To complete a shared branching transaction, you will need to verify your identity through ID Check before visiting the teller.
How it works
- Access the ID Check portal
- Enter your information and complete identity verification
- Receive your authorization code
- Bring your authorization code, valid ID, and account information to the teller
Access ID Check Portal
Tellerline: 24/7 Phone Banking
If you prefer to handle your business by phone, our Tellerline is available 24 hours a day at (865) 824-7202. You can check balances, see which checks have cleared, and move money between accounts. Just call us at the office first to set up your secure PIN.
Visa® Debit Cards
Our Visa Debit Card gives you instant access to your funds at the register or the ATM.
Security Tip: For your protection, we set daily limits on debit transactions. If you're making a large purchase, using a credit card is often a smoother experience.
Lost or Stolen Card? Call (888) 918-7889 immediately to secure your account.
Safety First: Protecting Your Account
Your security is our top priority. Here are a few quick ways to stay safe:
PIN Privacy: Never share your PIN with anyone—including us.
At the Register: When possible, choose "Credit" and sign for your purchase. It provides better protections than using your PIN at a merchant.
ATM Awareness: Always check your surroundings. If a machine looks tampered with or "off," trust your gut and find another location.
Monitor Often: Keep an eye on your statements and sign up for Visa Purchase Alerts to get notified of any unusual activity.
Member Services & Perks
Note: Business, Mortgage, Home Equity, Credit Card, and Salary Advance loans are not eligible.
Skip-A-Payment
Sometimes life gets a little tight. Our Skip-A-Payment program lets you defer one monthly payment on eligible loans (like Auto or Personal loans) for a small $20 fee. It’s a great way to free up cash when you need it most without hurting your credit.
Eligible Loans: Auto, RV, Personal/Signature, Line of Credit, and Share Secured loans that have been active for at least 12 months.
The Rules: Your loan must be current and have a clean 12-month payment history. You can use this service once every 12 months (up to three times over the life of the loan).
Keep in Mind: Interest will still accrue during the skipped month, and your loan maturity date will extend by one month.
Direct Deposit & Payroll Deduction
Save yourself a trip to the branch. Whether it’s your paycheck or a Social Security check, we can help you set up Direct Deposit so your money is ready the moment you wake up on payday.
Safe Deposit Boxes
Protect your most important documents and valuables. Boxes are available at our main office in various sizes starting at just $12.00 a year. Call us at (865) 824-7200 to check current availability.
Free Notary Services
Need a document notarized? We offer this service free of charge for all CECU members at every one of our locations.