FAQs

Checking 

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What checking accounts do you offer? 

You have a choice for your checking account: Summit Checking is a high yield account which means you earn 6.00% APY¹ on your balance up to $10,000... that can add up to $600 annually.* Cash Back checking is just what the name says — you get 6% cash back each month on your first $100 of debit card purchases.² If neither is a fit for you, talk to a Cinfed representative — there are other checking options that could meet your needs. Click here to learn more.

What rewards do you receive? 

With a Cash Back account, when you meet the monthly qualifications, you get 6.00% cash back rewards on debit card transactions up to $6.00 per month.² Plus you get refunds on your ATM fees, up to $20.² 

With Summit Checking, when you meet the monthly qualifications, you earn up to 6.00% APY¹ on balances up to $10,000 and 0.50% APY¹ on balances over $10,000. Plus you get refunds on your ATM fees, up to $20.¹ Click here to learn more.

Are the checking accounts really "free"? 

Yes — there is no monthly fee or charge for the account. There are no fees tied to minimum balances. Account holders also receive their first debit card for free. 

What do you have to do to qualify for rewards? 

During the monthly qualification cycle, complete 12 debit card transactions, receive eStatements, and log into your Digital Banking account. 

What if I don't meet the qualifications for the month? 

No worries! Checking accounts are always free and you can qualify for rewards again the next cycle. If you have Summit Checking, you'll earn our base dividend rate of 0.05% APY* for the unqualified month. Click here to learn more. 

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Cinfed Digital Banking 

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I'm having trouble logging in, what should I do? 

You might have an outdated browser or mobile app, here are a few items to check: 

• If you are using an old website saved in favorites or bookmarked 
• If you are using a saved password or copy/paste 
• If you are using an outdated app 

Browser Requirements for Cinfed Digital Banking 

Desktop Browsers (latest 2 versions): 

• Edge 
• Mozilla Firefox 
• Google Chrome 
• Safari 

Mobile Browsers: 

• Chrome for Android 
• Safari for iOS 

Browser Features required: 

• Javascript enabled 
• Cookies enabled 

Is the log-in page looping or showing an error code? 

You might not have two-factor authentication set up. Call 513-333-6349. 

I'm not getting my authentication code (Yahoo users) 

Yahoo Mail may delay inbox refresh. Manually refresh your inbox: 

• Desktop: click Inbox 
• Mobile: swipe down to refresh 

Why won’t the login page load? 

Use the latest version of Chrome, Edge, Safari, or Firefox. Internet Explorer is not supported. Delete old bookmarks if needed. 

What browsers are recommended? 

Same as listed above (latest versions of Chrome, Edge, Safari, Firefox; Chrome Android and Safari iOS). 

Password requirements 

• 10–20 characters 
• One uppercase letter 
• One lowercase letter 
• One number 
• One special character 

Temporary passwords expire in 2 hours. Passwords must be updated every 12 months. 

Where can I find my member/account number? 

In your welcome packet or by calling 513-333-3800. 

How do I access my eStatements? 

Log into Digital Banking → More → eDocuments → select account → View Statements 

Includes Statement Library, My Documents, and My Virtual FI. 

I cannot see an account I previously had access to. Why? 

Unhide it in Settings → Accounts, or contact eServices (513-333-6349). 

How can I make a loan payment online? 

Log in → Transfers → Classic tab → select account. 

How can I transfer funds to an external account? 

Log in → Transfers → Classic tab → Add External Account → enter routing/account numbers. 

Trouble transferring funds? 

• Check for outdated browser/app 
• Use Transfer tab (not External Accounts tab) 

Test deposits need to be confirmed. You must verify that the deposit hit the correct external account. 

Why are external balances showing in red? 

Additional authentication may be required. Click the red “I” and follow prompts. May take up to 24 hours. 

Trouble linking external account? 

May be an issue with the other institution — contact them. 

Why isn’t my full deposit available? 

A portion is released immediately; remaining funds may be held for review until up to 4:30 PM (Mon–Fri). 

How do I link external accounts for viewing? 

Use “Link Your Accounts” on dashboard → select institution → enter credentials → balances appear (may take up to 24 hours). 

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Credit Cards 

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How long does approval take? 

Typically 1–2 business days. 

Will you pull my credit report? 

Yes, a new credit report is required. 

How do I add an authorized user? 

Visit a branch or call 513-333-3826. 

How do I request a credit line increase? 

Submit a new application. 

How do I set up text alerts? 

Log in → Widget Options → Contact → enter mobile → Card Management → set alerts. 

Why should I notify you when I travel? 

Prevents fraud blocks on out-of-area transactions. Add via Digital Banking or call 513-333-3800. 

Foreign transaction fees? 

1% conversion fee applies. 

How do I transfer a balance? 

Log in → Card Management → select card → Balance Transfer or call 513-333-3826. 

When does a balance transfer post? 

Within 24 hours. 

How do I file a billing dispute? 

Digital Banking → Credit Card widget → View Transactions → Dispute. 

How do I report fraud? 

Call 1-800-449-7728 immediately. 

Where can I find my APR for my Cinfed Mastercard? 

On page 2 of your statement. 

When does interest apply to my Cinfed Mastercard? 

Interest applies after billing cycle unless paid in full. Cash advances and transfers accrue interest immediately. 

How do I report a lost or stolen card? 

Digital Banking → Credit Card widget → Services → Report Lost/Stolen, or call. 

How do I get a replacement card? 

Automatically issued after report; arrives in 7–10 business days. 

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Debit Cards 

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How do I order a new debit card? 

You can stop by one of our branches, call us at 513-333-3800, or order one through the Card Management widget in Digital Banking. 

Why isn’t my new debit card working? 

You will first need to set up your PIN by calling the number provided with your card. If your card still is not working, please call our contact center to verify your information. 

Are there service fees for ATM withdrawals? 

There are no fees when using a Cinfed ATM. You can also use ATMs in the Allpoint and Alliance One networks surcharge-free. Non-Cinfed ATMs may charge a fee from the ATM owner and/or a network fee. 

Kasasa account holders who meet qualifications can receive ATM fee refunds up to the monthly limit. Non-Kasasa members receive up to two network fee reimbursements per month. 

Can I change my PIN? 

Cinfed does not keep PINs on file. To change your PIN, call the automated number and follow the prompts. 

Can I make a deposit at a non-Cinfed ATM? Does it matter if it is a check? 

Yes, you may make a deposit at ATMs that are part of our participating networks. You may deposit checks or cash at ATMs. Funds may not be immediately available for withdrawal. Visit your nearest Cinfed location or contact us at 513-333-3826 for more information.  

How much cash can be withdrawn from an ATM on a daily basis?

In most cases, $1,000 per day. May vary based on the ATM merchant.  

What does an “inactive” debit card mean?

Inactive debit cards have no account activity or transactions, meaning they haven’t been used. Inactive debit cards significantly increase fraud and security risks. 

If a debit card has been inactive for 90 days, a $5.00 monthly fee will be assessed to the account as long as it remains inactive. If a debit card has been inactive for 13 consecutive months, the card will be closed. 

To avoid inactive status, simply make a purchase or complete an ATM transaction using the debit card at least every 90 days.  

Will I be charged any additional fees for using my debit card overseas?

Yes, a 1% conversion fee will be added to any overseas charge on both credit and debit cards.  

Why do I need to tell you when I’m traveling?

We constantly monitor your accounts for fraud, including charges made outside of your routine purchasing area. Please update your account prior to your trip to ensure our fraud prevention systems don’t block credit or debit transactions. 

To add a travel notice to your card: 

1. Log in to Digital Banking  
2. Click the “Card Management” widget, set up your card if you haven’t yet  
3. Click your card then hit the arrow down next to “Travel Notices”  
4. Fill out “Travel Notice”  

You can also call us at 513-333-3800. 

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General 

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Who is eligible to join? 

Cinfed Credit Union serves anyone who lives, works, worships, attends school in or regularly conducts business in 17 counties across Ohio, Kentucky and Indiana. 

Ohio: Brown, Butler, Clermont, Clinton, Hamilton, Warren 

Kentucky: Boone, Bracken, Campbell, Gallatin, Grant, Kenton, Mason, Pendleton 

Indiana: Dearborn, Ohio, Union 

To begin the application process, click here to join. 

What will I need to open an account? 

• A government-issued ID with a photo, such as a valid, unexpired driver's license, state-issued ID card, or military ID. 
• A second piece of ID, such as a Social Security card, birth certificate, credit card, or other valid identification card with photo. 
• A $5 opening deposit, which establishes your main share account. 
• Your Social Security Number (SSN) or Tax Identification Number (TIN). 
• Proof of valid mailing and physical addresses, if the address provided is different than the one listed on your driver's license or government ID. 

Can a minor become a member? 

Yes, a minor can become a member with a joint account if the joint member is a parent or guardian over the age of 18. 

Are my funds federally insured? 

Your share accounts are insured up to $1,250,000 and your retirement accounts are insured up to $1,250,000 at Cinfed Credit Union.* 

*Your deposits are federally insured up to $250,000 by the National Credit Union Association (NCUA) plus Cinfed adds $1,000,000 of private insurance from Excess Share Insurance Corporation (ESI) at no charge. 

If I no longer meet membership qualifications, do I have to close my account? 

No, once a member of Cinfed you are always a member of Cinfed. As long as you maintain your $5 balance in an active main share account you will remain a member. 

What is your routing number? 

Cinfed's routing number is 242076656. 

Where are you located? 

View a complete list of all our branches, here. 

How do I change my address? 

Log in to Digital Banking, in the top right corner next to your name, select the down arrow then ‘Settings’. Go to the ‘Contact’ tab, change your address then click ‘Save’. You can also stop by any branch or call 513-333-3800. 

Where are your ATMs located? 

All of our branch locations have at least one Cinfed ATM. All Cinfed ATMs are free of charge to members. Our members also have access to more than 55,000 surcharge-free ATMs nationwide through the Allpoint and Alliance One networks! To find an ATM near you please click here. 

How can I apply for direct deposit? 

You can set up direct deposit through your employer. You will need your account number and our routing number, which is 242076656. 

Which tax documents does Cinfed provide? 

• If your account earned more than $10 in dividends, you will be mailed a federal 1099-INT form. You can also see the total dividends you earned in your eDocuments widget in Digital Banking if you receive or are enrolled in eStatements. 

• If you received an incentive or bonus as part of a Cinfed marketing promotion, the amount will be included in Box 1 on the 1099-INT form. 

• If you have an IRA account, you will receive a 1099-R statement for all withdrawals; a 5498 statement will be sent in May for contributions (since contributions for the previous year can be made until Tax Day). 

• If your mortgage is through Cinfed, the Mortgage Interest Statement (Form 1098) will be mailed to you. If you have a Home Equity Line of Credit (HELOC), a separate form will be sent. For eStatement holders, statements will also be available online. 

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Interactive Teller Machines (ITMs) 

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What is an Interactive Teller Machine? 

ITM stands for Interactive Teller Machine – it’s like an ATM but can do much more! You can connect with a teller via video screen. During business hours, simply pull up and press the on-screen button to connect. A teller will appear to help you with questions or transactions. When the branch is closed, the ITM works like a traditional ATM. 

What kind of transactions can I complete at the ITM? 

• Cash withdrawals 
• Deposits 
• Transfer funds 
• Get account information 

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Mortgages & Loans 

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Do you offer payday loans? 

We do not offer payday loans. We DO offer personal loans (with much better rates!) to help get your finances back on track. Click here to find out more. 

Can I make my loan payment online? 

Yes, members are welcome to pay online using an internal transfer or an external ACH. 

I applied for a loan online. Can I check the status? 

You can check the status by calling us at 513-333-3800 or check online here. 

Who can I contact for questions about my existing mortgage loan such as payment, monthly statement, or escrow questions? 

Contact our mortgage servicing team at [email protected] or call (513) 333-3881. 

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