Topics
Auto Loans
See our auto leases page for more information on financing your lease.
Branch Services
Fitzsimons is a proud participant of the Veterans Benefits Banking Program (VBBP). Fitzsimons is committed to helping Veterans, beneficiaries, survivors, and caregivers gain access to the financial products, services, and support they need. We are committed to ensure all VA beneficiaries are able to open a low-to-no-cost checking account when they bring a direct deposit to Fitzsimons Credit Union.
Schedule an appointment with our team today.
Both are completely free for our members. Notary services cost $5 for non-members. Be sure to bring a form of identification along with you.
Acceptable Forms of Identification for Notary Services
- State-issued driver’s license
- State-issued identification card
- U.S. passport issued by the U.S. Department of State
- U.S. military ID
- State, county and local government IDs
- Permanent resident card, or “green card,” issued by the U.S. Citizenship and Immigration Services*
- Foreign passport*
- Driver’s license officially issued in Mexico or Canada*
No, you are welcome to just stop by. However, since only some of our employees are certified to handle signature guarantees, you may want to call ahead to make sure they are in the office.
Please bring the following documents if you’d like a signature guarantee:
- Fitzsimons membership card and member number
- Non-expired government ID (such as a drivers license or passport)
- A recent account statement showing the value of the transaction, stock, or shares
- Documents which request the Signature Guarantee. These are usually sent out by the brokerage.
If you’re transferring ownership due to a death, you’ll also need to bring the death certificate, estate documents, and the Letters Testamentary or Letters of Administration
You can find safe deposit boxes at our Southlands and Fitzsimons branch locations.
There are a few penalty fees for certain scenarios:
- Late Payment (over 30 days): $30.00
- Drilling (abandoned box, etc.): $250.00
- Lost Key: $45.00
Safe Deposit Box Costs |
|
| Sizes and Annual Rent | |
| 5″x5″ | $53.00 |
| 3″x10″ | $60.00 |
| 5″x10″ | $66.00 |
| 10″x10″ | $132.00 |
Business Checking
In addition to checking, we offer a full suite of online services, business loans, and business debit cards.
The documents that you’ll need vary by the type of business you have. For a helpful guide, see our “Required Docs by Business Type” at the bottom of the page.
Checking Accounts
Fitzsimons is a proud participant of the Veterans Benefits Banking Program (VBBP). Fitzsimons is committed to helping Veterans, beneficiaries, survivors, and caregivers gain access to the financial products, services, and support they need. We are committed to ensure all VA beneficiaries are able to open a low-to-no-cost checking account when they bring a direct deposit to Fitzsimons Credit Union.
Schedule an appointment with our team today.
We are sorry for your loss. We understand that the passing of a loved one can be a difficult time. We have created an in-depth guide to help you navigate the process of closing down a deceased family member’s account.
Click here to view our account closure guide
If you need additional assistance you can always contact our Communication Center team at 303-340-3343
Gain more peace of mind with Kasasa Protect™ *
Fraud is on the rise — but there’s something you can do about it. Get one-step, comprehensive protection with Kasasa Protect — an affordable service you can add onto your Fitzsimons checking account.
Benefits:
- Comprehensive identity protection and restoration solution
- Employs around-the-clock monitoring for fraudulent activity
- Immediately alerts you to any suspicious activity
- Quick, hands-on process of restoring your information should fraud occur
- Full suite of offerings, including:
- 24/7 credit monitoring
- Annual credit reports
- Monthly credit score and tracker
- Dark web monitoring
- Lost wallet protection
- Identity restoration
- Coverage from every angle provides peace of mind
- Funds directly deducted from your checking every month — no credit card needed!
- Exclusive pricing for all Kasasa checking account holders — $8 per month
- All other checking account holders — $11 per month
- Not locked into a contract; no time commitment necessary
Activate Kasasa Protect in minutes Upon enrollment, Kasasa Protect starts working immediately. However, be sure to log in and verify your identity so that you can get the most value out of this service. Just check your email for your activation link or visit https://secure.kasasaprotect.com.
1. First step is to login into the Online Banking Portal. Click the envelope icon in the top right corner.
2. To send a new message click on the “Compose Message” button. A new menu will appear.
3. Click the account that your message pertains to (If any). Select “other” as the subject option.
4. For a travel notification, please include the following:
-The Fitzsimons card number(s) you plan to use during your trip.
-Dates you will be out of the state/country
-Places you plan to travel to, with specific dates you plan to be in a particular location if possible.
5. Send your message. Our Communications Center Team answers messages M-F from (8:30 AM – 5:00 PM) You can expect a reply within 1-2 business days.
For more step-by-step instructions, check out our video tutorial.
-Log into the Fitzsimons Mobile App. Click the deposit tab to access the remote check deposit feature
-Select the account you would like the funds deposited to and enter in the amount you would like to deposit.
Get your check ready for deposit
-Check the front of the check to make sure everything is filled out correctly
-Sign the back. Then right below the payee signature(s) write “For FFCU Mobile Deposit Only”
Time to deposit your check
-Center the back of the check on a clean surface in a space with ample light.
-Line your check up with the guidelines shown on the mobile app. Take a picture of the front and back.
Your check is deposited
-Checks deposited on a business day before 2pm are normally available by 5pm that same day. Deposits made after 2pm or on a non-business day will be made by 5pm the next available business day.
Please call 844-368-1829 to replace a lost or stolen card.
To obtain a new debit card PIN or to reset your debit card PIN:
By phone:
• Please call 844-368-1829 and follow the prompts.
By Fitzsimons Credit Union mobile banking app:
• Login into the Fitzsimons Credit Union App.
• Select ‘Cards’ at the bottom of the screen.
• Select ‘Set PIN’ and follow the prompts to create a new PIN.
New debit cards are free for new cardholders. There may be a fee for reissuing lost or stolen debit cards. Please contact us for more information.
You can order checks online.
You can get a free Visa Debit Card right at a Fitzsimons branch the same day you open your checking account. To get a chip-enabled card, please call or email us.
Credit Cards
To add your Fitzsimons credit card, please see the below steps for either Apple Pay or Google Pay.
Add a credit card with the Apple Pay app on your iPhone:
- In the Wallet app, tap the Add button.
- Tap Debit or Credit Card to add a new card.
- Tap Continue.
- Follow the steps on the screen to add a new card.
- Verify your information with your bank or card issuer. They might ask you to provide more information or to download an app before approving your card for use with Apple Pay.
- If you have a paired Apple Watch, you have the option to also add the card to your watch.
For more information on adding a credit card with other compatible devices, please visit the Set up Apple Pay page.
Add a credit card with the Google Pay app:
- Open the Google Pay app.
- At the top right, tap your Profile picture and then Wallet.
- At the bottom, tap Add to Wallet.
- Tap Payment card.
- To capture your card info, use the camera. You can also enter your card info manually.
- Review and accept the terms from your card’s issuer.
- If you’re asked to verify your payment method:
• Choose a verification option from the list.
• Enter the verification code.
Tip: After you add a card, on your account from Google, you might find a small temporary authorization. This authorization checks that your card and account are valid. It isn’t charged to your balance and will go away soon. Within 48 hours, most temporary authorizations are removed from your account.
For more information on adding a credit card on Google Pay, please visit the Google Pay Help page.
For Visa Credit Cards
- Fill out and submit the Visa Dispute Statement form found here.
Please note: All fields must be completed and form must be notarized.
1. First step is to login into the Online Banking Portal. Click the envelope icon in the top right corner.
2. To send a new message click on the “Compose Message” button. A new menu will appear.
3. Click the account that your message pertains to (If any). Select “other” as the subject option.
4. For a travel notification, please include the following:
-The Fitzsimons card number(s) you plan to use during your trip.
-Dates you will be out of the state/country
-Places you plan to travel to, with specific dates you plan to be in a particular location if possible.
5. Send your message. Our Communications Center Team answers messages M-F from (8:30 AM – 5:00 PM) You can expect a reply within 1-2 business days.
For more step-by-step instructions, check out our video tutorial.
Please call (800) 558-3424 to change your PIN or reset your PIN tries.
Fitzsimons no longer services Elan credit cards as of 2/1/2021.
Please call (800) 558-3424 to replace a lost or stolen Elan credit card.
Elan Credit Cards will no longer be serviced by Fitzsimons Credit Union as of 2/1/2021
Debit Card Text Alerts
The “My Location” controls and alerts will check to ensure the merchant location is within a 5-mile radius of the device set as primary within the Fitzsimons Credit Union mobile banking app. These controls impact in-store transactions only, so internet transactions are not impacted.
You’ll need to enter the same level of detail entered for the original card. This information generally includes the card number, address, expiration date, and CVV/CVC code. Additionally, secondary authentication may include the last 4 digits of the social security number or a security token sent via email. Multiple individuals can register the same card as long as they know the card details.
Fitzsimons CU Card Management and Spend Tracking is a free service, however, message and data rates may apply.
We generally flag transactions that have larger sums or transactions that originate from distant locations that are outside of your normal activity. If you do plan to go on a trip, be sure to notify our team about any travel plans that you may have.
Debit Cards
Faster Transactions
- Contactless means you don’t have to insert your card into the point-of-sale terminal.
- Your new contactless debit card includes the latest chip technology.
Secure Transactions
- Every contactless transaction includes a unique code, helping to protect against fraud and keep your information safe.
- The information on your card is protected by unique keys.
- Contactless transactions only work within 1-2 inches from the point-of-sale terminal.
- Look for the contactless symbol on the payment terminal.
- Tap your card to the front of the POS terminal.
- Wait for a beep or green light before removing your card (you can put your card away – you won’t need it again).
- Follow any instructions on the screen (you might be asked to sign or enter your PIN).
For ATM/Debit Cards
- Fill out and submit the ATM Dispute Statement form found here.
Please Note: All fields must be completed and form must be notarized.
For Visa Credit Cards
- Fill out and submit the Visa Dispute Statement form found here.
Please note: All fields must be completed and form must be notarized.
1. First step is to login into the Online Banking Portal. Click the envelope icon in the top right corner.
2. To send a new message click on the “Compose Message” button. A new menu will appear.
3. Click the account that your message pertains to (If any). Select “other” as the subject option.
4. For a travel notification, please include the following:
-The Fitzsimons card number(s) you plan to use during your trip.
-Dates you will be out of the state/country
-Places you plan to travel to, with specific dates you plan to be in a particular location if possible.
5. Send your message. Our Communications Center Team answers messages M-F from (8:30 AM – 5:00 PM) You can expect a reply within 1-2 business days.
For more step-by-step instructions, check out our video tutorial.
Please call 844-368-1829 to replace a lost or stolen card.
To obtain a new debit card PIN or to reset your debit card PIN:
By phone:
• Please call 844-368-1829 and follow the prompts.
By Fitzsimons Credit Union mobile banking app:
• Login into the Fitzsimons Credit Union App.
• Select ‘Cards’ at the bottom of the screen.
• Select ‘Set PIN’ and follow the prompts to create a new PIN.
New debit cards are free for new cardholders. There may be a fee for reissuing lost or stolen debit cards. Please contact us for more information.
Nope. Using a digital wallet solution is totally your choice. You can add and remove cards at any time.
Digital Services
Never forget a loan payment ever again with PayPromptTM! Receive friendly monthly text reminders from Fitzsimons Credit Union and keep track of your loan balance progress.
To opt-in text “FITZFCU” to 32576. You’ll receive a message that looks something like this:
Fitzsimons FCU: Reply YES to receive recurring monthly payment msgs. Msg&Data rates may apply. Reply HELP for info.
Opt-in by replying YES.
Text ‘STOP’ to 32576 to opt out at any time.
*Messaging and data rates may apply. Ready to make a loan payment? Click here Please read our Terms and Conditions
1. First step is to login into the Online Banking Portal. Click the envelope icon in the top right corner.
2. To send a new message click on the “Compose Message” button. A new menu will appear.
3. Click the account that your message pertains to (If any). Select “other” as the subject option.
4. For a travel notification, please include the following:
-The Fitzsimons card number(s) you plan to use during your trip.
-Dates you will be out of the state/country
-Places you plan to travel to, with specific dates you plan to be in a particular location if possible.
5. Send your message. Our Communications Center Team answers messages M-F from (8:30 AM – 5:00 PM) You can expect a reply within 1-2 business days.
For more step-by-step instructions, check out our video tutorial.
-Log into the Fitzsimons Mobile App. Click the deposit tab to access the remote check deposit feature
-Select the account you would like the funds deposited to and enter in the amount you would like to deposit.
Get your check ready for deposit
-Check the front of the check to make sure everything is filled out correctly
-Sign the back. Then right below the payee signature(s) write “For FFCU Mobile Deposit Only”
Time to deposit your check
-Center the back of the check on a clean surface in a space with ample light.
-Line your check up with the guidelines shown on the mobile app. Take a picture of the front and back.
Your check is deposited
-Checks deposited on a business day before 2pm are normally available by 5pm that same day. Deposits made after 2pm or on a non-business day will be made by 5pm the next available business day.
Digital Wallet
To add your Fitzsimons credit card, please see the below steps for either Apple Pay or Google Pay.
Add a credit card with the Apple Pay app on your iPhone:
- In the Wallet app, tap the Add button.
- Tap Debit or Credit Card to add a new card.
- Tap Continue.
- Follow the steps on the screen to add a new card.
- Verify your information with your bank or card issuer. They might ask you to provide more information or to download an app before approving your card for use with Apple Pay.
- If you have a paired Apple Watch, you have the option to also add the card to your watch.
For more information on adding a credit card with other compatible devices, please visit the Set up Apple Pay page.
Add a credit card with the Google Pay app:
- Open the Google Pay app.
- At the top right, tap your Profile picture and then Wallet.
- At the bottom, tap Add to Wallet.
- Tap Payment card.
- To capture your card info, use the camera. You can also enter your card info manually.
- Review and accept the terms from your card’s issuer.
- If you’re asked to verify your payment method:
• Choose a verification option from the list.
• Enter the verification code.
Tip: After you add a card, on your account from Google, you might find a small temporary authorization. This authorization checks that your card and account are valid. It isn’t charged to your balance and will go away soon. Within 48 hours, most temporary authorizations are removed from your account.
For more information on adding a credit card on Google Pay, please visit the Google Pay Help page.
If your phone (or another device) is ever lost or stolen, please reach out to us at (303) 340-3343 or send us an email through the Online Banking Portal as soon as you can. We will temporarily block your card. You can also deactivate your device by placing it in “Lost Mode”.
You can also review these detailed instructions:
Unfortunately, not all devices/carriers are compatible with each digital wallet provider. You can review compatibility options on Apple, Google, and Samsung’s support sites.
When you add a card to Samsung Pay, Apple Pay or Google Pay, the card number isn’t stored on your actual device. You’ll be assigned a unique Account Number, which is encrypted and securely stored on your phone. Every time you make a purchase, a unique transaction number is generated. Your card info is never shared with merchants, reducing the chance of your personal information being compromised.
You can access Apple Pay through the Wallet app, which comes pre-downloaded on compatible iPhones and watches. Open the app, and it will guide you through the process of adding your cards.
The Google Pay app is available through both the Apple App Store and Google Play. Once you download, the app will guide you through the process of adding your cards.
Samsung Pay comes preloaded on most capable devices. You can head to the Google Play Store to reinstall it if you need to. Simply open the app, and you’ll be prompted to add cards. If you have a Samsung watch, open the Galaxy Wearable app on your phone to set it up.
Disputes
For ATM/Debit Cards
- Fill out and submit the ATM Dispute Statement form found here.
Please Note: All fields must be completed and form must be notarized.
For Visa Credit Cards
- Fill out and submit the Visa Dispute Statement form found here.
Please note: All fields must be completed and form must be notarized.
How do I submit my dispute?
To submit a dispute to a credit reporting company, contact the credit reporting company who has the inaccurate information on your credit report. You may submit a dispute with each of the credit reporting companies over the internet or by mail.
Online:
• Equifax – https://www.equifax.com/personal/credit-report-services/credit-dispute/
• Experian – www.experian.com/acrdispute
• TransUnion – https://dispute.transunion.com
Mail:
• Equifax
P.O. Box 740256
Atlanta, GA 30374-0256
• Experian
P.O. Box 9701
Allen, TX 75013
• TransUnion
P.O. Box 2000
Chester, PA 19016
You may also submit documents in support of your dispute. Documents may be uploaded for online disputes or submitted by mail. When mailing documents, please only submit copies of documents and not originals. Documents will not be returned to you following the investigation.
To submit a dispute with a business:
• Contact the business directly. The contact information for that business should be included on your credit report or monthly billing statement.
The Federal Trade Commission’s website has more information on correcting your credit report, and the Consumer Financial Protection Bureau’s website also provides additional information on disputing information on your credit report as well.
Contact your external financial institution from where the payment debited from.
Dreamer Loan
If you need help with your application or need more information about eligibility requirements, please don’t hesitate to contact us. You must be 18 to apply. If you’re under 18, you can apply jointly with a parent or guardian. To qualify for a Dreamer Loan, you’ll need:
- A Share account in good standing
- A SSN or ITIN
- An address in Colorado and proof of that address
- Photo ID from any country
- $30 application fee
- Completed U.S. Citizenship and Immigration Services (USCIS) forms for the programs you’re applying for
IRA
Traditional IRAs may allow for tax-deductible contributions, and the earnings grow tax-deferred until withdrawn.
Restriction free withdrawals can be made for a variety of reasons: after age 59½, qualified higher-education expenses, first-time home purchase (maximum $10,000), disability, payment of health insurance premiums while unemployed for 12 weeks or longer, qualifying medical expenses exceeding 7.5% of adjusted gross income, death.
The following people may be able to make tax-deductible contributions:
- Single individuals not active in employer retirement plans.
- Single individuals active in qualified retirement plans with MAGI below defined limits.
- Married couples with neither spouse active in an employer retirement plan.
- Married individuals active in qualified retirement plans filing joint tax returns with MAGI below defined limits.
- Married individuals not active in qualified retirement plans who are filing joint tax returns with spouses who are active in qualified retirement plans, as long as MAGI is below defined limits.
No, contributions to a Roth IRA are not tax-deductible.
People under 50 may be able to contribute up to $5,500. People who are 50 and older may be able to contribute up to $6,500. Your contributions cannot exceed your compensation.
There are three ways to be eligible to contribute to a Traditional IRA:
- Anyone under age 70½ who has income from compensation
- Anyone under age 70½ who is filing jointly with a spouse who earns compensation.
- Anyone who has received a distribution from a qualified retirement plan and decides to move the proceeds of the plan into an IRA.
Roth IRAs allow you to make tax-free and penalty-free withdrawals on your regular contributions at any time. Unlike a Traditional IRA, you are not required to start withdrawals at age 70½.
After the account has been open five tax years, earnings can be withdrawn tax-free and penalty-free for a variety of reasons: age 59½, disability, death, or first-time home purchase. The lifetime limit for exemption on first-time home purchase is $10,000.
People under age 50 may be able to contribute up to $5,500. People over age 50 may be able to contribute up to $6,500. Contributions cannot exceed compensation.
If you earn compensation, and your modified adjusted gross income (MAGI) is under a certain limit, you are eligible to contribute to a Roth IRA. Congress sets the MAGI limits, and they can change frequently. If your MAGI is too high, you might be able to make smaller annual contributions. Consult your tax professional regarding your individual circumstances.
Traditional IRAs generally offer more tax advantages in the contribution phase. Roth IRAs generally offer more tax advantages in the withdrawal phase. Consult a tax adviser for more information.
Make a loan payment
ANDI (AUTOMATED NIGHT AND DAY INFORMATION) is an automated telephone system used to access information and conduct account transfers anytime and from anywhere.
What transactions can be done through ANDI?
• Loan payments (from FCU accounts)
• Transfers
• Balance inquiries
• Last 5 transactions that cleared an account
ANDI is accessed using a PIN that you create. Please note, this is not the same as your Debit Card PIN. To create your ANDI pin, please visit one of our branches or call (303) 340-3343.
Never forget a loan payment ever again with PayPromptTM! Receive friendly monthly text reminders from Fitzsimons Credit Union and keep track of your loan balance progress.
To opt-in text “FITZFCU” to 32576. You’ll receive a message that looks something like this:
Fitzsimons FCU: Reply YES to receive recurring monthly payment msgs. Msg&Data rates may apply. Reply HELP for info.
Opt-in by replying YES.
Text ‘STOP’ to 32576 to opt out at any time.
*Messaging and data rates may apply. Ready to make a loan payment? Click here Please read our Terms and Conditions
Contact your external financial institution from where the payment debited from.
You may not have provided the correct answer or the correct format of the answer. For example: if MM/DD/YYYY is required and you enter M-D-YYYY this will error because of the number of characters in the month and day. In addition, your account number should only be your issued 4, 5, 6, or 7-digit account number. Do not add any other savings, checking, or loan suffix behind your account number.
If you can log in, and are not able to make a payment, it most likely means you do not have any eligible loans to make payments on.
Please select “Forgot your password?” under the login page. We do process password resets on your behalf with this system.
We do not encourage you to use the online loan payment system to pay off your loan. Please contact us at 303-340-3343 to get your exact payoff amount to avoid any shortage in payment.
Payments made using the online loan payment system will not post the same day a payment is made. Payment made before 3 p.m. on a business day will be processed that business day and then posted to your account on the same business day (1 business day). Payments made to your loan after 6 p.m. on a business day will posted to your account on the following business day.
You do not have the ability to cancel your own transactions through the payment system. Please call Fitzsimons Credit Union at 303-340-3343 for assistance.
Your user name is your email address. If you forget your email address, you can re-register, but your payment information will not display any previous payment information. You will have to set it back up.
Money Market
Withdrawals must be at least $250.
You can access your account up to 6 times a month, 3 times by check.
Online Banking
-Log into the Fitzsimons Mobile App. Click the deposit tab to access the remote check deposit feature
-Select the account you would like the funds deposited to and enter in the amount you would like to deposit.
Get your check ready for deposit
-Check the front of the check to make sure everything is filled out correctly
-Sign the back. Then right below the payee signature(s) write “For FFCU Mobile Deposit Only”
Time to deposit your check
-Center the back of the check on a clean surface in a space with ample light.
-Line your check up with the guidelines shown on the mobile app. Take a picture of the front and back.
Your check is deposited
-Checks deposited on a business day before 2pm are normally available by 5pm that same day. Deposits made after 2pm or on a non-business day will be made by 5pm the next available business day.
First, you’ll need to enroll in online banking. Then you can visit our mobile page to download the app.
We’ve created step-by-step instructions for setting up online banking. If you get stuck or need help with anything, please don’t hesitate to contact us.
To use Bill Pay, you’ll need to sign up for online banking. You can access Bill Pay through the online banking portal.
- Log into online banking and click the account for which you’d like to receive eStatements
- Click the “Online Statements” link
- Read the online statement enrollment agreement and then click “eSign Document”
- You’ll see a PDF with a unique code. Enter the code into the box below the online statement enrollment agreement and click “I Agree”
- If you have any questions about eStatements or the process of signing up, please contact us!
Note: You will get an automated monthly email from statement-alerts@fitzsimonscu.com to let you know that your monthly eStatements are ready to view.
Help us help the environment by making the switch and save yourself the monthly statement fee* in the process.
For additional instructions, check out our video tutorial.
De clic aquí para más información de los estatements y para registrarse
All Fitzsimons members are eligible for eStatements!
Pay day Alternative
If you need help with your application or need more information about eligibility requirements, please don’t hesitate to contact us in a way that’s convenient for you. To apply, you’ll need to complete a loan application, provide two personal references with contact information, and pay a $20 non-refundable application fee. You are eligible for a payday loan alternative if:
- You’re at least 18 years old and have been a member of Fitzsimons for at least 60 days
- You have a monthly gross income of at least $1000. This can be verified by direct deposit, paystubs, an award letter, or an employment letter.
- You’ve been employed within same trade or industry for at least six months. This can be verified through paychecks or through your employer.
- You don’t have delinquent loans or negative shares with Fitzsimons
- You haven’t caused a loss to the credit union
- You aren’t in the process of obtaining bankruptcy
- You agree to avoid payday lenders during the term of your Fitzsimons loan
- Any previous PIC loans are paid in full
You can get a maximum of four PIC loans in a six month period.
Send Money
If the person is already enrolled in Zelle, the money goes directly into their bank account in just a few minutes. If they’re not enrolled in Zelle, they can enroll in just minutes and get their money quickly.
You can learn more about Zelle on their site.
Share Savings Account
Skip a Payment
Yes, Skip-a-Payment extends the term of the loan. Interest will continue to accrue and all other agreements in the loan remain in effect.
Skip-a-Payment is available to members in good standing. If you don’t hear back from the credit union, you are approved. You will only be contacted if you are denied.
There is a $37 fee per loan skipped, which must be paid when we receive the Skip-a-Payment form. The fee can be paid by funds in your account or by a check.
You can skip a month on all qualifying loans at the same time. The $37 fee* will apply for each loan skipped.
Vehicle loans and personal unsecured lines of credit are eligible for Skip-a-Payment. The following loans are not eligible for Skip-a-Payment:
- Certificate Secured Loans
- Lines of Credit Loans
- Credit Cards
- PIC Loans
- Worry Free Repayment Loans
- Credit Builder Loan
- Dreamer Loans
- Real estate secured loans
Top 3
Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank2.
You can send, request, or receive money with Zelle. To get started, log into your online banking or mobile app and select “Send Money with Zelle®“. Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you’re ready to start sending and receiving with Zelle.
To send money using Zelle, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes1.
To request money using Zelle, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”3.
To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.
You can send money to friends, family and others you trust2.
Since money is sent directly from your bank account to another person’s bank account within minutes1, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.
Youth & Teen
Youth accounts under 12 years of age are not eligible to access or open a checking account. Youth accounts over 13 years old can open a checking account.
Upon turning age 13, a member’s account will automatically switch to a teen savings account. They will also be eligible to open a Teen Checking Account and get a Visa debit card.
1. Deposit your child’s birthday check at one of our branch locations.
2. Take a picture of your child’s birthday check, front and back, and send it to Marketing@FitzsimonsCU.com
Note: We will send you a message either by e-mail or phone to let you know your check has been deposited. Don’t forget to endorse your check on the back.
Zelle
Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank2.
Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for Zelle.
Once customer support moves your email address or U.S. mobile phone number, it will be connected to your bank account so you can start sending and receiving money with Zelle through your financial institution’s mobile banking app and online banking. Please call your financial institution’s customer service for help.
If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions.
These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Fitzsimons Credit Union nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
Keeping your money and information safe is a top priority. When you use Zelle within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.
Yes! They will receive a notification via email or text message.
Money sent with Zelle is typically available to an enrolled recipient within minutes1.
If you send money to someone who isn’t enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes1.
If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number.
If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.
Still having trouble? Please contact your financial institution’s customer service.
You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.”
If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please contact your financial institution’s customer service.
In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.
When you enroll with Zelle through your online banking account or mobile app, your name, the name of your financial institution, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared). When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its “directory” and notifies your financial institution of the incoming payment. Your financial institution then directs the payment into your bank account, all while keeping your sensitive account details private.
You can find a full list of participating banks and credit unions live with Zelle here.
If your recipient’s financial institution isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.
To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.
