Our Branch Network Has Grown-to 4,500

You can access your CSE Credit Union account at more than 4,500 branch locations around the nation. And there are 36 locations in Connecticut, some with early hours, some with late hours and some with Saturday hours.

We know how important it is for you to be able to take care of your financial business when you want, even if one of our own branches isn’t nearby or open for business. That’s why CSE Credit Union is part of “shared branching” - through our partnership with other credit unions, you can conduct transactions in participants’ branches just as if you were in a CSE Credit Union branch.

A variety of services are available:

· Deposits and withdrawals

· Transfers between accounts

· Account/loan Inquiries

· Loan payments

· Money orders/gift cards

· Statement prints

· Extended hours of access

· And more

Your first five shared branch transactions a month are free. You will be charged $1.50 for each transaction after five. All participating credit unions display the Credit Union Service Centers “CU Swirl” logo. You can find a nearby branch several ways:

· Call 800-919-2872

· Visit www.cuservicecenters.com to search or download locations to your GPS device

· Look for the CU Service Centers logo

When you visit a Credit Union Service Center, just make sure you bring your account number and photo identification. You will be asked to supply the full credit union name, Connecticut State Employees Credit Union.

Shared branching is ideal for members who travel on business or pleasure, have children away at college, or relocate out of state – for any situation, it is easy and convenient.

Frequently Asked Questions

A New Choice

Connecticut State Employees Credit Union has joined together with other credit unions internationally in a cooperative effort to bring you a new choice in financial convenience, the CU Service Centers ® Network. You can now perform many of your financial transactions and obtain services at branches of other credit unions and self-service locations belonging to the network.

By using the CU Service Centers ® Network, your membership and accounts remain at Connecticut State Employees Credit Union, but you can access your accounts and conduct business with the credit union through any of the convenient CU Services Centers ® locations. In this way, through a network of participating credit unions and retailers, access to your accounts and credit union services is made more convenient.

How do I access my account?

Requirements for account access

You need three things when you visit a CU Service Centers ® location:

The name of your Credit Union, Connecticut State Employees Credit Union
Your Account Number, if unsure please verify before you go
A current, unexpired, VALID Government issued picture identification with signature
- State issued driver's license or identification card (temporary extensions are not accepted)
- U.S. Passport
- City, State, County or Federal ID card or badge (may require additional form of identification)
- U.S. Armed Forces Identification Card or the new Smart Identification card without signature
- Resident Alien Card issued by the INS

Have these items ready to present to the teller. This will save you time and will help them with serving you. All transactions require identification. They ask, because the CU Service Centers ® Network cares about protecting your identity and account information.

If you have questions regarding your account or transactions that were performed through the CU Service Centers® Network, please contact the Connecticut State Employees Credit Union directly.

*Some foreign identifications may be accepted based on CU Service Centers® policies.

Are there any limits on cash withdrawals?

Cash Withdrawal Limits

Total withdrawals, cash and checks, cannot exceed $10,000 per day. However, CU Service Centers ® may limit cash withdrawals to $500 per day.

How are holds and deposited funds handled?

Holds and Deposited Funds

The funds you deposit at the CU Service Centers® locations may not be available for immediate withdrawal from your credit union account.

Can I place stop payments?

Stop Payments

The CU Service Centers® location CANNOT accept a stop payment request on your checking account. You must contact Connecticut State Employees Credit Union.

If you need to place a stop payment on a check you obtained from the CU Service Centers ® location, such as a cashier's check, money order or official check, you must contact the CU Service Centers ® location where you obtained the check. There will be a waiting period not to exceed 90 days before funds can be released. You may be required to complete an indemnity agreement. Fees may apply.

Are there any fees?

CSE Fee Schedule

Your first five shared branch transactions a month are free. You will be charged $1.50 for each transaction after five. Helpful Hint: Use your CSE Home Teller to do account to account transfers to avoid transaction charges.

CU Service Centers Fee Schedule

Fees are assessed for specific transactions performed and services obtained at a CU Service Centers location.

Withdrawals
	Check withdrawals - depending on location	$2.00 - $5.00
Deposits
	Rolled Coins (deposit or purchase) *Coin machines may charge a percentage of total deposit.	$.25 per roll
	Check Deposits - Eleven or more checks	FREE $.17 per check
Other Services
	FAX Request (first page) - Each additional page	$3.00 $1.00
	Money Orders (if available)	$3.00
	Traveler's Checks (if available) Dual Signature	1% of face value 1.5% of face value
	Photocopies (if available)	$.50
	Indemnification Agreement	$25.00
	Notary (if available) - Notary Public's posted fee as allowed by outlet owner's state law
	Research of Items - You must contact Connecticut State Employees Credit Union for researching your transactions conducted at the CU Service Centers® locations.
Free Member Services (If available)
	Statement Prints VISA and/or MASTERCARD Cash Advances* (* May include a fee from card issuer)

What services are available?

Cash Deposits

Check Deposits

Payroll Check - If you deposit a payroll check, make sure you have your payroll check stub with you to verify your deposit.
All checks must be U.S. dollars and payable through the U.S. Federal Reserve Bank
You must properly endorse all checks presented for deposit

The CU Service Centers® location reserves the right to refuse acceptance of any item presented for deposit or payment.

Tax Refund Checks: For jointly filed income tax refund checks made payable to two parties and only one party is the the owner of the account, both must be present, both must endorse the check and both must have proper, valid identification.

Withdrawals

Total withdrawals, cash and checks, cannot exceed $10,000 per day.
Cash withdrawals may be limited to $500 per day regardless of our policy.

Loan Payments and Loan Advances

Loan Payments can be made by cash or check, however, there may be restrictions placed on your loan account by Connecticut State Employees Credit Union for access through the CU Service Centers® Network.
Loan Advances can be made by cash or check, however, the cash limit may be set at $500.00 per day or by your Line of Credit limit set by your credit union, whichever is less.

Visa and/or MasterCard Cash Advances

You can request a cash advance on your VISA or Master Card account if the service is available. Please have your VISA or Master Card plastic card with you when you visit the CU Service Centers ® location. The card company(s) the location supports will be posted on the door.

Minor Accounts

Due to the obligation we have to limit access by minors on these accounts, the credit union does not permit activity on minor accounts at CU Service Center locations.

Additional Services Available at Most Locations

Transfers Between Sub-Accounts

Transfers can be processed within your own credit union account.
Transfers into different accounts are allowed as long as you are an owner. The transfers will be handled as a deposit/payment or as a withdrawal/loan advance.

Statement Prints

Referred to as transaction history. The last ten transactions will be printed including your balance. This service may not be available at all locations.

Fax Services and Photocopies

These services are available at most CU Service Centers® locations. Fees may apply.

Money Orders

This service may not be available at all CU Service Centers® locations, please call first before visiting the location. Fees may apply.

Traveler Checks

This service may not be available at all CU Service Centers® locations, please call first before visiting the location. Fees may apply.

Notary Services

This service may not be available at all CU Service Centers® locations, please call first before visiting the location. Fees may apply.