Knowledge Base

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?

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?