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FAQs

Account Cards

  • Your first Debit Card is free with your checking account. If you need a new card due to fraud, a name change, or an expiration, the new card is free. Replacement cards for other reasons are $5.

  • Instant Issue Cards are printed flat. If you’d prefer a card with a name and numbers that are embossed, request that your card is mailed to you.

  • We can print you a new card for a $5 fee.

     

  • You can get your card instantly by coming into any of our branch locations. Or you can call (435) 723.3437 to request a card, and we will mail it to you.

  • Yes! An ATM Card is a great back-up in case you lose your Debit Card.

Alerts and Notifications

  • Online Banking gives you access to a bunch of awesome resources, like Bill Pay, Online Statements, and Mobile Banking. If you aren’t signed up, you can enroll online today. You can also visit a local branch or call us at (435) 723-3437. We’ll walk you through the process!

BaZing Rewards

  • If you have any questions or need help, please contact BaZing directly. You can reach them at 1.855.822.9464 or customer.service@bazing.com.

Bill Pay

    1. Complete the “Add Alexa” process from the “My account” page in Bill Pay.
    2. In the Alexa app, use the search feature to select the iPay QuickPay℠ skill, then enable it.
    3. Follow the instructions and use your credentials created during the “Add Alexa” process in bill pay, establishing the link between Alexa and bill pay.
  • Call the credit union and we can help you set it up over the phone, (435) 723.3437.

  • Yes, you must have a checking account with Elevate.

  • Bill Pay is completely free for all personal checking accounts. For business accounts, there is a $0.75 fee for every transaction after the first five.

  • Once you’ve signed up for Online Banking, you can download the app by following one of the links below!

  • Online Banking gives you access to a bunch of awesome resources, like Bill Pay, Online Statements, and Mobile Banking. If you aren’t signed up, you can enroll online today. You can also visit a local branch or call us at (435) 723-3437. We’ll walk you through the process!

  • Login to online banking, click on the “Services” tab and then select “Bill Pay.” If you aren’t signed up for online banking, you can enroll online today. You can also visit a branch or call us at 435-723-3437 and we can help you get started.

Board of Directors Volunteer

  • Any member of at least 18 years of age or older is eligible to become a volunteer as long as you are a member in good standing with the Credit Union. To be considered fill out the application package.

    Each year the Board will appoint a nominating committee who will review a list of nominees for the office of Director and select the individual(s) who possess the skills and experience necessary for this position. Then the membership will vote on who they would like to represent them.

  • Directors are elected to a two- three year term and may run for re-election should they so desire; the credit union does not impose term limits.

  • The primary meeting of the Board of Directors is once per month. The meeting is held on the 3rd Thursday in the evening hours at 5:00 p.m. and often takes one (1) to two (2) hours. There are times however when special meetings are necessary and can be called during the day or evening.

    Director meetings are extremely important and must be taken seriously and as such must be given a high priority in one’s schedule. Critical information is shared at each and every meeting and only through your attendance can you expect to make intelligent decisions for the credit union.

    Once a year you will also be required to attend a Strategic Planning weekend that is usually held in the fall.

  • The credit union stresses the importance and relevance of education to our volunteers. Every year the credit union provides each director with several opportunities to attend educational forums.

  • There is no compensation given, thus the literal meaning of “VOLUNTEER”.

  • The primary responsibility of a Director is to safeguard the member’s financial assets and to meet our member’s needs in terms of product and services. Directors develop a road map of priorities (strategic planning) for management and staff to follow. Directors set policy in such areas as: lending, collections, and investments just to name a few. Each Director will be assigned to certain committees to help with.

  • Volunteers must maintain a balanced focus on serving member needs while preserving the financial strength of the credit union. Below are some important factors to consider “prior” to becoming a credit union volunteer:

    • Be familiar with credit union products and services.
    • Understand the economics and social conditions affecting the credit union.
    • Be committed to attending both scheduled meetings and educational programs offered by the credit union.
    • Be a member in good standing and utilize Elevate Credit Union for your primary financial accounts.
    • Act as an ambassador for your credit union. Pay attention to the needs and wants of fellow members as well as the community at large, and report your findings to credit union management.
    • Always put the credit union first. The safety and soundness of Elevate Credit Union should come before any personal agendas.
  • Serving as a credit union volunteer is a highly responsible and challenging position, which brings about tremendous satisfaction in the helping of others. To volunteer for your credit union simply complete our Volunteer Application Package and return it to the credit union.

Business

  • To open a business checking account, individuals should bring the following items:

    1. Government Photo ID (driver’s license, passport, or another form of government-issued photo identification)
    2. The second form of ID (debit card, credit card, a letter with your name, some other form of identification)
    3. Social Security Number
    4. Deposit of at least $25
    5. Beneficial Ownership Certification Form (see our FAQ on beneficial owners)

    Additional documents are required for opening a business account, depending on the type of business that you have.

    • Sole Proprietorship (Business Name Registration, Business License, EIN or Social Security #)
    • Partnership (Articles of Incorporation, Partnership Agreement, Business License, and EIN)
    • Corporation or LLC (Articles of Incorporation, Business License, EIN)
    • Association or Club (Letter authorizing signer, EIN)
    • Non-Profit Organization (Articles of Incorporation, EIN, Letter from National Organization if local chapter)
  • Federal law requires that we collect information about beneficial owners for new business accounts. Beneficial owners are individuals who own 25% or more of the legal entity and individuals who have significant responsibility to control the legal entity. You can download and fill out a beneficial owner form to bring with your new account. The form needs the following information from beneficial owners:

    1. Name
    2. Address
    3. Date of birth
    4. Social Security Number
    5. Driver’s License, State-Issued Identification Card, Passport, or Alien Identification Card

    If you have questions, we’d love to help! Call us at (435) 723.3437 and ask for a New Account Specialist.

Certificates

  • You can withdraw monthly, and make unlimited deposits.

  • Most of our certificates can be opened with $500, except for a Starter Certificate, which is just $50 to open and the 7-month Fluid Certificate which is $10,000 to open.

  • Yes, we have this feature on our 18-month certificate.

  • Yes, If funds are withdrawn from the certificate before it reaches its term, some dividends will be forfeited. (6-12-month certificates lose 2 months of dividends, and 18-36-month certificates lose 6 months of dividends)

  • It will be rolled over to a 12-month Certificate.

  • Yes, you need to commit to at least a $25 per month deposit.

  • Fluid Certificates are for terms of 7 months and require a minimum opening deposit of $10,000. You can add money to the Fluid Certificate at any time. One withdrawal can be made each month without a penalty as long as the balance remains above $10,000.

  • If you withdraw the money from a Certificate before it matures, you’ll never lose the principal that you have invested. There might be interest penalties for the early withdrawal. If you think you’ll need to withdraw money from the Certificate, consider a Fluid Certificate. As long as your balance remains over $10,000, you can make one penalty-free withdrawal per month.

Checking Accounts

  • Your first Debit Card is free with your checking account. If you need a new card due to fraud, a name change, or an expiration, the new card is free. Replacement cards for other reasons are $5.

  • Roadside assistance covers:

    • Towing
    • Battery service
    • Flat tire assistance
    • Fuel
    • Oil, fluid, and water delivery service
    • Lock-out assistance
    • Collision assistance
    • Extrication assistance
  • There is a $3.95 monthly fee.

  • Accidental Death Coverage covers deaths that occur due to accidents. Check the “Guide Benefits” on the Bazing website for information on how Accidental Death Coverage can be used if tickets have already been purchased.

  • It will cover $400 twice a year.

  • Simply ask your employer to set it up for you today. You’ll need your account number and Elevate Credit Union’s routing number: 324376818. Keep in mind that the name on the payment transferred must match the name on your account. Contact us if you have further questions or need assistance setting up Direct Deposit!

  • Yes! 55+ members with a checking account are eligible to receive up to two free boxes of checks per year.

  • You will get 12 free counter checks when you open a Checking Account with a balance of $100 or greater. Members that are 55+ can get up to two free boxes of checks per year, one box at a time. Additional checks can be purchased by contacting us.

  • You can turn off lost or stolen cards in our mobile app so that they can’t be used. If you find your card again, you can turn it back on so that you can continue to use it.

    If you don’t have the mobile app, or know that your card has been stolen, you can report it online or call us at 1-800-682-6075.

     

  • If you overdraw on your checking, we may cover the amount charged anyway, saving you from the embarrassment and frustration of a declined card. A $23 fee is assessed for this service, but you may save money on bounced checks and merchant fees. If there are available funds in the member’s shares account, the funds will be transferred to checking before Courtesy Pay occurs. Courtesy Pay is for accounts in good standing, has a maximum coverage amount of $600, and may not become effective for the first 90 days of a new account.

Digital Wallet

  • Simply open the “Apple Pay” app on your iOS device, and add in your Elevate card details.

  • Not at the moment, but we are working on getting Samsung Pay and Google Pay added soon!

  • Apple Pay uses a graphical representation, not an identical replica of your Elevate card, so the image of your card won’t be exact. 

  • Apple Pay has more specific information on its site.

  • Apple Pay doesn’t store your credit or debit card number on your device, which means that you never reveal your name, card number or security code to merchants. Your device creates a unique digital code which is used to verify payment. Plus, the whole system is protected by Visa’s Zero Liability policy, which protects you from unauthorized, fraudulent purchases.

  • Not all phones and smartwatches are compatible with Apple Pay. You need an iPhone 6 or higher to pay in stores. Even if your phone cannot pay in stores, Apple Pay can easily make purchases within some apps.

Direct Deposit

  • Simply ask your employer to set it up for you today. You’ll need your account number and Elevate Credit Union’s routing number: 324376818. Keep in mind that the name on the payment transferred must match the name on your account. Contact us if you have further questions or need assistance setting up Direct Deposit!

  • Before you get started, make sure you have signed up for Online Banking and downloaded the Mobile Banking app.

    1. Endorse your check like this: Line 1: “For mobile deposit to account # __________”
      Line 2: Your Signature
    2. Open the app and go to “Deposit”
    3. Lay the check on a flat, solid, dark surface in a well-lit area and snap a picture with your phone
    4. Follow the upload instructions
    5. Choose which account to deposit the check into

Elevate FAQs

  • Elevate Credit Union was established in 1954 as Intermountain Indian School Credit Union in Brigham City, UT. The credit was created by eight members with $40.00 in assets! Over twenty years later in 1978, the credit union changed its name to Box Elder County Credit Union. After many years of serving Box Elder County, our membership expanded to also serve Cache and Rich counties in 2015. Through the years the credit union grew. In January of 2020, the credit union changed its name to Elevate Credit Union.

  •  No. Our new name will better reflect who we already are and who we are able to serve.

  • January, 2020

  •  Not at all. The name change has no impact on member status. You and your fellow members will always be our credit union’s owners.

  • Yes!

  • Yes, the routing number will stay the same.

  • No, your Box Elder Credit Union checks can be used until they are gone.

  • Yes, they will still work.

  •  When your existing cards expire, we’ll provide you with your cool new cards that have Elevate Credit Union on them. If you don’t want to wait until your existing card expires you can request a new card for $5.

  • No. All information sent to Box Elder County Credit Union will continue to be processed by Elevate Credit Union.

External Transfers

  • Bank2Bank is completely free.

  • Sending a Wire Transfer costs $15. Receiving one is completely free.

  • Incoming wires must include all three steps listed below. Incorrect or incomplete information may result in a returned wire. We’re happy to help if you have questions!

    1. Receiving institution:

    Corporate America Credit Union
    4365 Crescent Road
    Irondale, AL 35210
    ABA # 262090120

    2. Further Credit to:

    Elevate Federal Credit Union
    1023 Medical Drive
    Brigham City, UT 84302
    ABA # 324376818

    3. Beneficiary:

    Elevate CU Member account number.

    Member’s name and address as they
    appear on their Elevate CU account.

Home Loans

  • Home Improvement Loans can cover almost any kind of repair or improvement, including traditional repairs, energy efficient appliances, solar heating, and even landscaping. You can borrow up to $7500 with this loan.

  • Both loans let you use your home’s value to borrow money. With a Home Equity Loan, you’ll get all the cash you borrow right away, just like most other loans. A Line of Credit, on the other hand, approves you for a certain amount and then lets you borrow from it as needed. With this option, you’ll only pay interest on what you actually borrow. It’s a great choice if you are working on an ongoing project.

    At Elevate, we offer both types of loans, so you can pick what’s best for you.

Ira

  • With a Roth IRA, you won’t pay taxes when you withdraw the money. However, you will pay taxes on withdrawals for a Traditional IRA. How much you will be taxed depends on how much you contribute.

  • In short, a traditional IRA offers tax-deductible contributions while a Roth IRA allows the account to grow tax-free.

    Traditional IRAs:

    • Contributions may be tax-deductible
    • Earnings can grow tax-deferred until withdrawn
    • Penalty free withdrawals for qualifying education expenses, home purchases, and medical expenses
    • All earnings and deductible contributions are taxable upon withdrawal

    Roth IRA

    • Contributions are not tax-deductible
    • Withdrawals and earnings may be tax free
    • Penalty free withdrawals after age 59 ½, disability, death or for a first time home purchase

Mobile Banking

  • No. Unfortunately, we cannot accept foreign checks through Mobile Deposit.

  • Keep your deposited check until it clears in your account. After it clears, you can shred it.

  • Yes. Sign your checks like this:

    • For Mobile Deposit to account _________
    • Your signature
  • Call the credit union and we can help you set it up over the phone, (435) 723.3437.

  • There is a daily limit of 5 checks and $2,000.

  • On the following business day (M-F) by 10:30am, excluding holidays.

  • Before you get started, make sure you have signed up for Online Banking and downloaded the Mobile Banking app.

    1. Endorse your check like this: Line 1: “For mobile deposit to account # __________”
      Line 2: Your Signature
    2. Open the app and go to “Deposit”
    3. Lay the check on a flat, solid, dark surface in a well-lit area and snap a picture with your phone
    4. Follow the upload instructions
    5. Choose which account to deposit the check into
  • Once you’ve signed up for Online Banking, you can download the app by following one of the links below!

  • Online Banking gives you access to a bunch of awesome resources, like Bill Pay, Online Statements, and Mobile Banking. If you aren’t signed up, you can enroll online today. You can also visit a local branch or call us at (435) 723-3437. We’ll walk you through the process!

Mobile Deposit

  • Make sure you have laid your check on a flat, dark surface in a well-lit area. Make sure your check isn’t blurry or have any edges cut off. If you continue to have problems, give us a call at (435) 723.3437.

  • No. Unfortunately, we cannot accept foreign checks through Mobile Deposit.

  • Keep your deposited check until it clears in your account. After it clears, you can shred it.

  • Yes. Sign your checks like this:

    • For Mobile Deposit to account _________
    • Your signature
  • There is a daily limit of 5 checks and $2,000.

  • On the following business day (M-F) by 10:30am, excluding holidays.

  • Before you get started, make sure you have signed up for Online Banking and downloaded the Mobile Banking app.

    1. Endorse your check like this: Line 1: “For mobile deposit to account # __________”
      Line 2: Your Signature
    2. Open the app and go to “Deposit”
    3. Lay the check on a flat, solid, dark surface in a well-lit area and snap a picture with your phone
    4. Follow the upload instructions
    5. Choose which account to deposit the check into

Online Statements

  • You can sign up for Online Statements through your Online Banking Account. If you have any questions or would like help signing up, give us a call and we can get you signed up over the phone.

  • Online Statements are protected by layers of security, encryption, and login passwords within your Online Banking Account.

  • No.

  • Once you’ve signed up for Online Banking, you can download the app by following one of the links below!

  • Online Banking gives you access to a bunch of awesome resources, like Bill Pay, Online Statements, and Mobile Banking. If you aren’t signed up, you can enroll online today. You can also visit a local branch or call us at (435) 723-3437. We’ll walk you through the process!

Overdraft and Courtesy Pay

  • $600

  • Members must apply for an Overdraft Line of Credit and qualify on approved credit.

  • If you overdraw on your checking, we may cover the amount charged anyway, saving you from the embarrassment and frustration of a declined card. A $23 fee is assessed for this service, but you may save money on bounced checks and merchant fees. If there are available funds in the member’s shares account, the funds will be transferred to checking before Courtesy Pay occurs. Courtesy Pay is for accounts in good standing, has a maximum coverage amount of $600, and may not become effective for the first 90 days of a new account.

  • Overdraft Protection is a line of credit that’s linked directly to your account. If you overdraw on your checking, it steps up to cover the costs—so that you don’t have to pay hefty insufficient funds fees. From there, it works like a simple loan from Elevate. Pay it off right away to avoid interest, or as you can for a low rate. To opt in to Overdraft Protection, contact us at any time.

Payday Loans

  • Yes, there is a $25 application fee.

  • Yes, you must have had at least one Direct Deposit come into your account in order to qualify for a Payday Loan.

  • Yes, you have up to 90 days to pay off the loan. The monthly payment is required.

  • Our rates are typically lower and you will pay less because of it!

Reloadable and Gift Cards

  • Yes.

  • There is an inactivity fee of $3 after three months and a monthly fee of $1.75.

  • Yes, $5 dollars after 12 months.

  • No. Visa Gift Cards, Everyday Spend Cards, and TravelMoney Cards may be purchased and loaded from your account, but they are not linked to your account.

  • No. You cannot add additional money to Visa Gift Cards once they are purchased.

  • $2.

  • Yes.

  • Yes. Everyday Spend Cards will be charged a $5 inactivity fee after 10 months.

  • $5.

  • Yes, Everyday Spend Cards, Visa Gift Cards, and TravelMoney Cards can be used abroad.

Remote Card Control

  • You can turn off lost or stolen cards in our mobile app so that they can’t be used. If you find your card again, you can turn it back on so that you can continue to use it.

    If you don’t have the mobile app, or know that your card has been stolen, you can report it online or call us at 1-800-682-6075.

     

  • Once you’ve signed up for Online Banking, you can download the app by following one of the links below!

Safe Deposit Box

  • The cost is withdrawn from your account each year.

  • We offer boxes at the following sizes and annual price points:

    3 x 5 x 21 ½ $10
    3 x 10 x 21 ½ $15
    5 x 10 x 21 ½ $20
    10 x 10 x 21 ½ $35

Skip a Pay

  • Applying is quick and easy:

    • Begin your online application.
    • Enter YOUR name and email address in the “Initiator” section. If you have any other borrowers or guarantors on your loan, enter each of their names and emails in the “Subsequent Signer” section.
    • Click “Begin Signing” in the lower right corner. If you agree, click the box next to the yellow arrow that says, “I agree to use Electronic Records and Signatures.” Then click “CONTINUE” to keep filling out your application.
    • On the “Borrower Signature” line, click “SIGN.” Click “ADOPT AND SIGN.” Then click “FINISH” in the lower right corner.
    • If there are other people on the loan, the form will be forwarded to them.

Special Loans

  • Overdraft Protection is a line of credit that’s linked directly to your account. If you overdraw on your checking, it steps up to cover the costs—so that you don’t have to pay hefty insufficient funds fees. From there, it works like a simple loan from Elevate. Pay it off right away to avoid interest, or as you can for a low rate. To opt in to Overdraft Protection, contact us at any time.

Specialty Savings

  • Nope! Specialty Savings Accounts are a free service for members.

  • Between October 1st and December 31.

Visa Credit Card

  • You must be at least 18-years-old, fill out a Visa Credit Card application, and be approved based on your credit. We’d love to walk you through the process! Contact us to get started.

  • Monthly payments are due by the 28th of each month. The minimum payment is $15 or 4% of the balance, whichever is greater. Statements for Visa Credit Cards are also issued monthly.

  • You can turn off lost or stolen cards in our mobile app so that they can’t be used. If you find your card again, you can turn it back on so that you can continue to use it.

    If you don’t have the mobile app, or know that your card has been stolen, you can report it online or call us at 1-800-682-6075.

     

Youth Accounts

  • Only $5!

  • When your child turns 13, the account will turn into a Teen Savings Account.

     

     

  • Kids can get an ATM card with their savings account. If the adult tied to the account opens a related checking account, kids can also get a Debit Card.

  • Kids Savings Accounts are set up in the child’s name with an adult as a joint owner. In addition to information for the adult as the joint owner, you will need the following:

    • An initial deposit of $25
    • Child’s Social Security number
    • Child’s birth date
  • To open a Teen Savings Account, pop by any of our branches and bring:
    • $25
    • Know or bring your social security number
    • ID like a student ID or driver’s license
    • Bring a parent or someone 18 or older