It was Inova. HYC is 3% there right now, up to 20K.
Is it worth joining?
Does Inova hard pull for membership?
ELFCU - Rebuilder Friendly Credit Union Master Thread
Started by
lilyflower
, Apr 14 2012 11:30 AM
961 replies to this topic
#51
Posted 14 April 2012 - 07:29 PM
Does Inova hard pull for membership?
#52
Posted 14 April 2012 - 07:48 PM
Someone besides me will have to be the one to find out, unless you all want to wait a week and a half. 
#53
Posted 14 April 2012 - 07:51 PM
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).
#54
Posted 15 April 2012 - 05:44 PM
I just checked TU and I didn't see any hard pull/soft pull.
Ron.
Ron.
#55
Posted 15 April 2012 - 06:04 PM
Did anyone order any checks?
Ron.
Ron.
#56
Posted 15 April 2012 - 07:32 PM
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
#57
Posted 15 April 2012 - 10:49 PM
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!!!!!!!!
(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!!!!!!!!
#58
Posted 15 April 2012 - 10:55 PM
Same here except i used my credit cardThank you so much for this info. I joined this afternoon. My status is pending, too. Funded via debit card.
#59
Posted 15 April 2012 - 11:14 PM
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!
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!
#60
Posted 15 April 2012 - 11:24 PM
Pending
Any possible denial reasons? Or is it saying "Pending" for most everyone?
This is my screen
Any possible denial reasons? Or is it saying "Pending" for most everyone?
This is my screen
#61
Posted 16 April 2012 - 08:10 AM
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
#62
Posted 16 April 2012 - 08:12 AM
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.
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.
#63
Posted 16 April 2012 - 08:17 AM
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 by Culpeper Mike, 16 April 2012 - 08:19 AM.
#64
Posted 16 April 2012 - 08:25 AM
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.
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.
#65
Posted 16 April 2012 - 08:27 AM
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 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.
#66
Posted 16 April 2012 - 09:24 AM
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 by johnnyderp, 16 April 2012 - 09:25 AM.
#67
Posted 16 April 2012 - 09:32 AM
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.
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.
#68
Posted 16 April 2012 - 10:21 AM
Wow, the loophole isn't closed yet?
#69
Posted 16 April 2012 - 10:30 AM
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 by mbl280, 16 April 2012 - 10:31 AM.
#70
Posted 16 April 2012 - 10:34 AM
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
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
#71
Posted 16 April 2012 - 10:37 AM
#72
Posted 16 April 2012 - 10:38 AM
i'd maybe question the quality of their IT folks, but their legitimacy?
you realise the NCUA regulates CUs?
you realise the NCUA regulates CUs?
#73
Posted 16 April 2012 - 10:38 AM
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.
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.
customerservice@elfcu.org
Thank you for entrusting our credit union with your financial needs.
Sincerely,
Eli Lilly Federal Credit Union
Ron.
Edited by Ron1, 16 April 2012 - 10:45 AM.
#74
Posted 16 April 2012 - 10:42 AM
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.
#75
Posted 16 April 2012 - 10:46 AM
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.
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