ELFCU - Rebuilder Friendly Credit Union Master Thread

[lilyflower]

It was Inova. HYC is 3% there right now, up to 20K.

 

Is it worth joining?

 

Does Inova hard pull for membership?

[Repairerer]

Someone besides me will have to be the one to find out, unless you all want to wait a week and a half.

[lilyflower]

Someone besides me will have to be the one to find out, unless you all want to wait a week and a half.

 

My next experiment is Rutgers FCU (because I THINK I might still have a membership there) but I need to call them on Monday to find out. I vaguely remember signing up with them eons ago and then forgetting about them and thinking that they were merged into Affinity (which it seems they're not).

[Ron1]

I just checked TU and I didn't see any hard pull/soft pull.

 

 

Ron.

[Ron1]

Did anyone order any checks?

 

 

Ron.

[nosup4u]

I just joined today got my account pending but didn't get a member number we will see what happens tomorrow when they open and see about a million apps in their que LOL

[rslifkin]

Joining. (Chex-friendly? A rebuilder CU? $5? AND a Secured card in a month, when I will have the $600 to $1000 to deposit? ... Joined.)

 

And this is my ELF, here.

 

 

Thank you, CB. This CU will be my intro to higher limits.. then PSECU! I CAN SKIP CAPITAL ONE SECURED NOW!!!!!!!!

[GreatHornedOwl65]

Thank you so much for this info. I joined this afternoon. My status is pending, too. Funded via debit card.

Same here except i used my credit card

[rslifkin]

I am a ChexSystems guinea pig too, but the VERY WORST they could have on me are things from ~March (May?) 2007... the last time i got shot down was shortly after McDonalds employment at a bank in Columbus, Ohio in June 2009. I think ill be ok here. (And ive never contacted Chex at all.)

 

Im staring at the products screen... going to select Think Big Checking, and... For now, thats it.

 

Ill probably fund $100 or so from a credit card. I am on that screen now.

 

I am soo thankful for this info. Thank you!

[rslifkin]

Pending

 

Any possible denial reasons? Or is it saying "Pending" for most everyone?

 

This is my screen

 

 

[nosup4u]

Im in got the congratulation email this morning I know for a fact I have one derog chex inq because I have joined so many CU lately so they must not check so might as well try for a CC here shortly

[Culpeper Mike]

i applied saturday night after reading this thread. if nothing else it seems like a solid place to plunk down $950 and get 4%. it was not a hard pull, and my status was immediately approved. i received both my savings acct#, and my think big checking acct#. i cant seem to create my online access yet and after speaking with someone on saturday night was still unable to. after speaking with a friendly rep this morning she said its manual within the bank and after whomever sets up the online access does their job we will receive an email with instructions. seems like an ok place and thus far i have no complaints.

 

for myself i used my AARP to do it which means not only will i be getting 4% on $950, but i also got 5% rewards so this was a quick and easy no brainer. i hope their credit cards are at least decent in the next month or so with generous limits. i'm going to look into the inova credit union now since i paid the trudirection $5 dues and might be able to get something more out of it. hopefully no HP over there either.

[Culpeper Mike]

about a minute after i finished that i received my "person number" in an email welcoming me. that number also didn't seem to work in establishing online access, but at least i know my membership is official. i'm going to call again right now to confirm that my 'person number' is not the same as my member number.

Edited April 16, 2012 by Culpeper Mike

[Culpeper Mike]

another update: personal number is not member number.

 

customer service there is VERY friendly.

 

credit cards are on their way, the CU is waiting for that portfolio of services to be transferred to them.

 

business services right now are ONLY checking and savings, no credit products.

[road2freedom]

Some people might be interested in the fees...

 

Money Market Savings:

If under age 25 No monthly fee

Average daily balance greater than $100 No monthly fee

Money Market Savings plus other products No monthly fee

Maintenance fee if none of these conditions are met $5.00/month after first

120 days of membership

 

Basic Checking:

Direct deposit of net pay* No monthly fee

If under age 25 or 55 and older No monthly fee

If balances total more than $10,000 No monthly fee

(savings, checking and/or ELFCU loans)

Maintenance fee if no direct deposit $4.00/month

Dividends (rate) None

 

I'm interested to know if a $1 DD (or ACH push) would satisfy the exemption.

[johnnyderp]

Some people might be interested in the fees...

 

Money Market Savings:

If under age 25 No monthly fee

Average daily balance greater than $100 No monthly fee

Money Market Savings plus other products No monthly fee

Maintenance fee if none of these conditions are met $5.00/month after first

120 days of membership

 

Basic Checking:

Direct deposit of net pay* No monthly fee

If under age 25 or 55 and older No monthly fee

If balances total more than $10,000 No monthly fee

(savings, checking and/or ELFCU loans)

Maintenance fee if no direct deposit $4.00/month

Dividends (rate) None

 

I'm interested to know if a $1 DD (or ACH push) would satisfy the exemption.

 

Money Market plus other products No monthly fee (I'm assuming/hoping Think Big Checking is an "other product")

Thing Big Checking free with e-statements. Done and done.

 

Got my Welcome, Elf email this morning. Weird to have a person number and a member number... I guess our member numbers will arrive in the mail?

 

Pulled CCM, still no hards.

Edited April 16, 2012 by johnnyderp

[road2freedom]

Hah - I wasn't "thinking big" enough... didn't scroll down to the ThinkBIg Checking fees. You are correct!

 

ThinkBIG™ Checking:

With eStatements No charge

Without eStatements $4.00/month

Average daily balance to receive dividends $50.00

Dividends (see rate card) Variable

 

Guess they are now on the official to-do list.

[foeplay]

Wow, the loophole isn't closed yet?

[mbl280]

Very funny...I called to check on the status of my application and the rep kind of laughed and said the girl that handles new accounts is going through them as fast as she can. Good job CB!

Edited April 16, 2012 by mbl280

[bkfriendly]

Signed up over the weekend, all set-up as of this morning, but not really liking the website features at all:

 

1) when you logon from mainpage, a new window pops up

 

2) whenever you make a change, for example, change user id or password, etc, you dont get a confirmation email of the change.

 

3) when your on your logon page and you click "home" at the top of page, it takes you back to original website & now all of a sudden your logged out.

 

4) very unconventional hosting to say the least, almost makes me ? the legitimacy of this company.

 

Or maybe in just a Freak and dont know what im doing? (no comments nessessary here

[BobWang]

[Unmet Potential]

i'd maybe question the quality of their IT folks, but their legitimacy?

you realise the NCUA regulates CUs?

[Ron1]

I just got an email from them and they welcome me as a new member. The person number, checking and saving account number is enclosed with the email.

Here is the email:

 

 

WELCOME & CONGRATULATIONS

 

Dear Ron1,

 

You are now a member of Eli Lilly Federal Credit Union, where you're once a member, always a member!

 

You will need your account numbers below to conduct business with our credit union and shared

 

branches as well as your merchants:

 

We're proud to provide you with a broad range of products and services, creating a single source

 

solution for you and your money. But our products never stand alone. Going steps beyond our

 

competition, we have the kind of people, service and knowledge that make our offer different. As a

 

member of ELFCU, you'll discover the professionalism and courtesy you deserve. Additionally, our staff

 

of approximately 120 employees offers you nearly 2,000 years of experience in the financial services

 

industry.

 

TERMS & CONDITIONS OF YOUR MEMBERSHIP

 

Please take a few minutes to review our Agreements & Disclosures by visiting elfcu.org/disclosures.

 

ATM & DEBIT CARDS

 

If you requested a Check Card or Cash Card, it will be sent by U.S. Mail to arrive in 10-14 business days.

 

You will also receive a PIN mailer separate from the card.

 

INTERNET BANKING AND BILL PAY (eBranch)

 

To sign up, simply visit the credit union's website and click the Sign Up link inside the Online Banking

 

section - see upper left area of the home page. To enroll, you will need your member number and your

 

online access PIN (last four digits of your SSN.) In addition, you will be asked to create and confirm your

 

own private Username and Password. This password must be a minimum of 8 alphanumeric characters.

 

ELFCU recommends a mix of upper-case characters AND at least one special character. Once you've

 

successfully logged into the system for the first time, you'll be prompted to answer some security

 

questions. At that point, you're ready to enjoy your new eBranch.

 

 

If you have a checking account, you can start using our Bill Pay service. If so, we recommend monitoring

 

your merchant accounts regularly to ensure that all your payments have been applied correctly. Please

 

note that bill payments are initiated Monday through Friday with a cut-off time of 5:00 p.m. Eastern

 

time.

 

 

For convenient remote deposit capabilities that require only a desktop scanner, take advantage of our

 

My Deposit feature. Register online at elfcu.org/mydeposit.

 

eSTATEMENTS

 

If you provided an email address on your membership application, you will be automatically enrolled for

 

eStatements. Access to your eStatements is available via eBranch. To view them, select eStatement

 

under the Accounts tab. First, make sure the pop-up blocker on your computer is turned off.

 

eCOMMUNICATIONS

 

Our credit union regularly sends helpful information about our services and promotions via email. If

 

you'd like to receive this type of communication, please visit the credit union's website and look for

 

Email Updates - see upper right area of the home page. To sign up, just provide your name and

 

preferred email address; then subscribe to the topics that interest you.

 

 

 

Stay even more connected with the credit union and your fellow members on Facebook and Twitter.

 

We're part of both networks so please join us out there soon!

 

 

 

 

CORRESPONDENCE

 

In working with us and accessing your accounts over time, please become familiar with the following

 

logos you'll see on our correspondence:

 

 

 

 

If you have questions or experience any problems getting started with us, please use these channels to

 

communicate with us:

 

Member Service Call Center

 

317.276.2105 or toll-free 800.621.2105

 

8 a.m. to 5 p.m.

 

The Credit Union Service Center 24-Hour Call Center

 

888.837.6500 - Toll-Free

 

Live Chat via our website

 

8 a.m. to 5 p.m.

 

Email

 

customerservice@elfcu.org

 

Thank you for entrusting our credit union with your financial needs.

 

Sincerely,

 

Eli Lilly Federal Credit Union

 

 

 

Ron.

Edited April 16, 2012 by Ron1

[Unmet Potential]

I just got an email from them and they welcome me as a new member. The member ID number, checking and saving account number is enclosed with the email.

 

 

Ron.

 

mine had a "person number" but that didn't work for online access.

i'll just wait.

[Ron1]

I just got an email from them and they welcome me as a new member. The member ID number, checking and saving account number is enclosed with the email.

 

 

Ron.

 

mine had a "person number" but that didn't work for online access.

i'll just wait.

 

 

Thanks for letting me know. It didn't work. Did you call them to ask your member no.?

 

Ron.