General | Visions Federal Credit Union

Here you'll find frequently asked questions and answers about general topics related to your Visions FCU membership, accounts and processes.

General FAQ

Which holidays or weekdays will Visions be closed?
Please be aware of the following office closings and observances of federal holidays. Office closings include all branch locations and our Contact Center.
- Wednesday, January 1, 2025 – New Year's Day, all offices closed
- Monday, January 20, 2025 – Martin Luther King Day, all offices closed
- Monday, February 17, 2025 – Presidents' Day, all offices closed
- Monday, May 26, 2025 – Memorial Day, all offices closed
- Thursday, June 19, 2025 – Juneteenth National Independence Day, all offices closed
- Friday, July 4, 2025 – Independence Day, all offices closed
- Monday, September 1, 2025 – Labor Day, all offices closed
- Monday, October 13, 2025 – Columbus Day and Indigenous Peoples Day, all offices closed
- Tuesday, November 11, 2025 – Veterans Day, all offices closed
- Thursday, November 27, 2025 – Thanksgiving Day, all offices closed
- Wednesday, December 24, 2025 – Christmas Eve, all offices close at 3:00pm
- Thursday, December 25, 2025 – Christmas Day, all offices closed
- Wednesday, December 31, 2025 – New Year's Eve, all offices close at 3:00pm
- Thursday, January 1, 2026 – New Year's Day, all offices closed
What is the maximum daily ATM withdrawal limit?
Is Visions insured by the National Credit Union Administration (NCUA)?

Yes, Visions Federal Credit Union is federally insured by the National Credit Union Administration. You can learn more about coverage here or visit the NCUA website, which provides a tremendous amount of information regarding your insured funds.

If you need assistance identifying which accounts are covered or not covered by the NCUA, you can visit the NCUA's Share Insurance Estimator.
How do I call a specific Visions branch?
In order to better serve our members who visit our branch offices, those offices are generally not available for assistance by telephone.

If you need to reach a particular staff member at one of our branch offices, or if you have a question regarding services at a specific branch location, please call our Contact Center.

Contact Center Telephone Number
800.242.2120, menu option 4
View our Contact Center Hours and frequently asked questions.

Our Contact Center can assist with teller transactions, card services, loan applications, and more. They also respond to Live Chat requests and serve members in both English and Spanish.

For Debit Card and Visions Visa Credit Card support

Simply call 833.224.5785 for 24/7 support for the following requests:
- Card activations
- Report fraud or dispute charges
- Report a lost/stolen card
- Change your PIN
How can I change my PIN for my Visions debit or credit card?

If you know your current PIN and would like to change your 4-digit PIN for your card, bring your Visions debit card or credit card to a Visions ATM and you can change your PIN instantly. You must have your existing PIN to verify your identity prior to making the change. Follow the on-screen prompts to complete the process. Your new PIN will begin working immediately.

If you don't know your current PIN, you may contact our Contact Center at 800.242.2120, menu option 4.
How do I obtain a certified check from Visions? (Also known as an official or guaranteed check.)
Visions offer official checks to our members. The checks are available at all Visions office locations or by contacting our Contact Center at 800-242-2120 menu option 4.

Official check fees are charged as follows:
- From Online or Mobile Banking - FREE
- From Phone or Branch Teller ($1,000 and under) - $3.00
- From Phone or Branch Teller (over $1,000) - FREE
- From Smart Teller - FREE
Note: All fees are subject to change.
What is a Secure Access Code and how do I get one?
When you enroll for the first time in Digital Banking, or if you log in using a new or different browser or mobile device, you will be prompted to receive a Secure Access Code. You may elect to have the code sent to you using the contact information that is stored in your account; and receive the code via text or by an automated call.

Security Note: Visions will NEVER ask for online banking credentials or Secure Access Codes via an outgoing phone call or text message to you. This information should never be shared with anyone. If you are ever unsure if a message is legitimate, contact us at 800.242.2120.

Additional Details

If your account information is not up-to-date in our records, you may not be able to receive a Secure Access Code. Please make sure that your contact information is up-to-date by calling our Contact Center at 800.242.2120 and speaking with a representative.

Once you register a device or browser, you will not be prompted to enter a Secure Access Code again for that device until the registration expires or resets due to digital banking updates, upgrades, or security enhancements.

Each device or browser does need to be registered separately, so if you log in using Google Chrome and register that browser, but next time you log using Internet Explorer, you will need to register that browser as well. Additionally, if you log in through a mobile device, each device must be registered separately.

Additionally, if your browser is set to delete all cookies at the end of each browser session, this will prompt the secure access code each time. Be sure to check your browser settings, first and third-party cookies must be enabled.
- If you are using a Safari browser, you also need to be sure that the setting "Prevent Cross-Site Tracking" is turned off. This should be in the same settings section as the Cookies
- If you are using Firefox, be sure that your Tracking Protection under Privacy and Security is not set at "Always"
- If you have anti-virus software in place such as ESET, there are security settings within that to “trust” our website so that the cookie can be set
Am I charged a fee for using non-Visions ATMs?
Visions members are allowed five free transactions per month at non-Visions ATMs. Transactions made over the limit are charged to members at $1.00 per transaction.

We do not charge for use of Vision's ATMs. Visions Visa debit cards and credit cards can also be used at any ATM that displays one of the following network logos.

Please note:
- ATMs that are not a part of Visions network may charge additional fees.
- Members with the Flex Checking Plus receive unlimited refunds on non-Visions ATMs fees. All fees are credited in the first week of the next month following the month where the charges are posted.
Make yourself at home at credit unions nationwide

With Shared Branching, you can access your Visions account nationwide – free of charge. Plus, with over 30,000 ATMs and more than 5,000 branches available nationwide, finding a location is easy!

Find a CO-OP location near you today!
How can I set up direct deposit?
To sign up for a direct deposit, please contact your employer directly. You will need to supply the following information:
- Visions’ ABA (routing) number (221375378)
- Your account number in the correct format
- Indicate deposit to savings or checking
Please contact a credit union representative at 800-242-2120 option 4 for the correctly formatted account number.

You can also switch your existing direct deposit using ClickSWITCH, a secure online platform that lets you update your direct deposit online - all in 60 seconds or less. Learn more here.

Note: Direct Deposits are generally processed and posted on business days only.
How can I make an online withdrawal?
To request a withdrawal, follow the steps below:
- Log into your Visions account online at www.visionsfcu.org
- Open the TRANSFERS/PAYMENTS menu
- Select Send A Check.
- An official check will be mailed to your address of record.
Our Send Money feature allows you to easily and quickly send money to anyone using your Visions debit card. Log into your account and select the Transfers/Payments menu then select Send Money.

Our External Transfers feature is designed to allow you to easily move money, in larger dollar amounts than a Send Money transaction from one account you own to another account you own. While logged into your Visions account, open the Transfers/Payments menu then select one of the easy to use External account menus to add your accounts and then verify once a set of micro-deposits have been made.
What kind of savings bonds can I use at Visions?
What is your routing number?

Visions FCU's routing number is 221375378

The Routing Number is also called an ABA number or routing transit number. You can find the routing number in the lower-left corner of your checks.

Financial institutions use routing numbers in order to process payments electronically. Some examples of electronic payment services that Visions offer include Bill Pay, Wire Transfers, checking transactions (electronic checks), and Direct Deposits.