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Knowledge Base
You Have Questions. We Have Answers.
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About Verve
What is Verve's membership area?
What days are you closed?
Why do you close on federal holidays when most other businesses are open?
What is Verve’s NMLS (Nationwide Mortgage Licensing System & Registry) number?
Verve doesn’t sound like a typical financial institution.
What does Verve, a Credit Union, stand for?
Who is Merv?
What’s the difference between a credit union and a bank?
Why Verve, a Credit Union for a name?
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Checking
What is Verve’s routing number?
What are routing numbers used for?
Is it safe to enter my routing and account numbers into websites to make online payments?
How do I reorder/order more checks?
How long does it take electronic payments (ACH withdrawals) to post to my account?
How do I activate my debit card?
How do I change my debit card PIN?
Help! I lost my card/My card was stolen/I need to dispute a transaction.
Help! I need to respond to a fraud alert.
What do you mean by “instant-issue” in regard to your debit cards?
Is there a cost for debit cards?
Is there a fee for withdrawals using my debit card?
How can I keep tabs on my account using a debit card?
What’s the difference between Overdraft Protection and Overdraft Protection Plus?
Can I use a Kwik Cash loan or line of credit for overdraft protection?
Are there other ways to protect myself from a negative balance besides Overdraft Protection or Overdraft Protection Plus?
I’m traveling out of the country/to another state. Will my card still work?
Can I exchange U.S. dollars for foreign currency at Verve?
Are there any fees on debit/credit card transactions made in other states or countries?
Help! I’m in another state/country and I’ve lost my card.
Can I cancel/stop payment on a check or online payment?
How do I open a checking account?
My debit card is expiring soon—how do I get a new card?
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Credit Cards
How do I view my RewardsFirst MasterCard® rewards?
Where do I check my credit card balance, transactions, etc.?
How long are rewards points valid?
Does Verve offer any fraud protection with its credit cards?
How do I make a payment on my Verve credit card balance?
Help! I need to respond to a fraud alert.
Help! I lost my card/My card was stolen/I need to dispute a transaction.
How do I activate my Verve credit card?
I have questions about my RewardsFirst MasterCard® rewards, who should I call?
My credit card is expiring soon—how do I get a new card?
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Debt Consolidation
Articles coming soon
Fraud
I’m planning a trip. How do I make sure my debit card doesn’t get blocked thinking it’s fraud?
Does Verve offer any fraud protection with its debit and credit cards?
Loans
What kinds of loans does Verve offer its members?
How do I apply for a vehicle loan with Verve?
How do I apply for a mortgage loan with Verve?
How do I apply for a home equity loan or line of credit with Verve?
How do I apply for a personal loan with Verve?
How do I apply for a business loan with Verve?
Can I have more than one loan at a time with Verve?
Mobile App
Do you have a mobile app?
Can I use the mobile app to deposit checks?
Why do my checks need to be marked “for mobile deposit only?”
Is it safe to use the mobile app for banking, or does it make me more vulnerable to fraudsters?
Can I add my Verve debit and credit card to my mobile wallet?
What is Card Boss? Is it separate from the Verve mobile app?
My Account
How do I open an account with Verve?
Online Banking
How do I login to online banking?
I’m locked out of online banking—how can I get back in?
How do I update my contact information in the Online Banking Center?
How to transfer money in online banking
Retirement
Does Verve offer any financial planning for retirement?
How do I know if I have enough money to retire?
When should I start saving for retirement?
Is it too late to start planning for retirement?
I am planning to retire in the next five years. Do you have any tips or a list of steps I should take to prepare?
Saving
What is Verve’s routing number?
How long does it take electronic payments (ACH withdrawals) to post to my account?
What is Regulation D?
How many different savings accounts can I open at Verve?
Do you offer Health Savings Accounts?
How large does my balance need to be to open a money market account?
How can I increase my money market balance/How can I move get to the next money market tier faster?
Are there penalties for withdrawing from my money market account?
What are “laddering” Certificates of Deposit (CDs)? Can I do this at Verve?
Can I win more than once with a Save to Win Account?
What are the Save to Win prizes?
Is there a limit to how much money I can deposit into my Save to Win account?
What is the dividend rate on the Save to Win account?
If I need the money, is there a penalty to withdraw cash from the Save to Win account?
What happens to my Save to Win account after the 12-month term is over?
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Schedule an Appointment
I want to schedule an appointment online, but I don’t see the option I am looking for. Can I still make an appointment?
Can I schedule an appointment online for more than one product or service (i.e. mortgage and checking account)?
Can I still go directly to a branch and meet with a team member without making an appointment?
Can I still call to make an appointment?
Why do I need to have my ID, Social Security number and other personal information ready for my appointment?
What if I need to cancel or reschedule my appointment?
Bank + Borrow
Save + Spend
Ways to Save
Checking Accounts
Money Market
Certificates
IRAs
HSAs
Wealth Management
Borrow
Auto + Recreational Loans
Home Loans
Home Equity Loans
Credit Cards
Personal Loans
Business
Payroll / Electronic Deposit
Credit Card Processing
HSAs
Business Checking
Business Savings
Business Credit Cards
Commercial Loan Terms
Commercial Lines of Credit
SBA Loans
Why Verve?
Learn
Money
Creating a Budget
Improving Your Credit
Building Your Savings
Managing Debt
Money Etiquette
Investing Advice
Life
Family Finances
Travel Tips
Home Life
Community
Impact in the Community
Random Acts of Verve
Financial Safety
Security + Fraud
Help
Login
Login
Join Now
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