MEMBERSHIP
FAQ
CU vs. Bank
Membership
Partner Companies
Online Banking
Products & Services
Loans
Fraud
CU vs. Bank
Q: What makes a
credit union different than a bank?
A: The biggest
difference is that credit unions are not-for-profit organizations
and our Board of Directors are unpaid volunteers. This means that you’ll
typically find better rates on your deposits and enjoy lower rates on loans. Another
difference is that you have a voice in the credit union. As a member, you
get a vote at our annual meeting equal in weight to every other StarTrust member.
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Membership
Q: What are
the requirements for joining the credit union?
A: Anyone who lives,
works, worships, attends school in Downtown Houston,
regularly conduct business in the city of Houston or
work for one of our Partner Companies, you are invited
to join the credit union. Family
members of current or potential members who meets the
above criteria can also join StarTrust.
Q: How can I become
a member?
A: Simply stop by our One Allen Center branch
located at 500 Dallas at Smith, or join online.
Q: What happens,
if once a member, I no longer meet the membership criteria?
A: Whether
you move, change your work status, retire, change schools
or place of worship, you are a member for life. Your
accounts will remain the same and you do not need to
do anything.
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Partner
Companies
Q: What is a Partner
Company?
A: A Partner
Company is a company who has chosen to provide StarTrust
Federal Credit Union benefits to their employees as an
added benefit. Partner companies
enjoy on-site membership sign up, promotional announcements,
special seminars for their employees and more.
Q: What is the
cost to become a Partner Company?
A: There
is no cost to your organization. We
simply ask that you periodically distribute information
about credit union benefits to your employees and that
someone from your company acts as the credit union liaison.
Q: How can
my company become a Partner Company?
A: To
become a Partner Company, please fill out the online
form, e-mail,
or call 832.615.7023. BACK TO TOP
Online Banking
Q: Who can sign
up for QuickLink?
A: Any member who
is in good standing with the credit union may sign up
for QuickLink-Internet Account Access for Free.
Q: What is QuickLink – Internet
Account Access?
A: QuickLink
allows you to check you account online. You
can view your account balances, transfer funds to and
from your credit union accounts, verify cleared checks
and much more.
Q: How do I sign
up to use QuickLink Home Banking?
A: To
sign up for QuickLink, simply enter your member number
and QuickTeller PIN from the QuickLink home page login. If
you do not know your QuickTeller PIN, please call us
at 832.615.7108 / 800.241.5871. If
you are calling after the hours of 8:00 a.m. – 4:00
p.m., Monday – Friday, a Financial Services Representative
will return your call the next business day.
Q: When using
QuickLink to make my transfers or payments, will the
transaction be posted immediately?
A: The
transaction will be posted immediately to your account
on QuickLink, however the effective date of the transaction
is determined by the date on our system at the time
of the transaction. Funds are available
immediately but transactions made after business hours
will be effective as the next business day.
Q: What is
Bill Pay?
A: Bill
Pay is an online service available through QuickLink
that allows you to pay your bills directly out of your
checking account with a few clicks of a button. Once
a payee is setup in online Bill Pay, you can schedule
them to be paid one time or as a recurring payment. View
our online Bill Pay demo.
Q: What are the
benefits of using Bill Pay?
A: StarTrust’s
Bill Pay offers you:
- Flexibility – You can access
online Bill Pay 24/7 to schedule your payments in
advance
- Convenience – You can pay your bills from
anywhere you have Internet access and you can track
the status of your payment online.
- Savings – You
don’t have to buy
envelopes, stamps or make a special trip to mail your bills
- Peace of Mind – You can schedule your
Bill Pay payment the minute you get your bill and know
it will be sent to the payee on time.
- Saves you time – Schedule
recurring payments (i.e. mortgage payments, cable bills,
phone bills, etc.)
- Set
up a one-time payment
- Schedule
recurring payments
- You
only need to enter a payee’s address and
billing information once
Q: Who can use Bill Pay?
A: Any StarTrust Federal Credit Union member with a Checking
Account in good standing that has signed up for QuickLink
can take advantage of this great service!
Q: How do I use
Bill Pay?
A: View
the Bill Pay demo located on our home page at the QuickLink
login.
Q: Is Bill Pay safe?
A: Yes, Bill Pay is only accessible through secure QuickLink
Online Banking, which utilizes industry-standard 128bit
SSL encryption. SSL encrypts your personal information
before it leaves your computer, ensuring that no one
else can read it.
Q: What is the cost of Bill Pay?
A: Bill Pay is free
when you have a StarTrust Checking Account with Direct
Deposit, otherwise it is $6 per month. Everyone receives a three
month free trial period.
Q: How will
I be billed for my Bill Pay fee?
A: If
the monthly fee applies, it is deducted directly from
your checking account on the 5th and 10th day of the
month.
Q: Who can receive online Bill Payments?
A: Payments can be made to any business or individual(s)
with a US mailing address. This means that you can
use Bill Pay to pay bills, loan payments at other institutions,
your friend or even your landlord. Please note that
no foreign, government, tax or court ordered payments
are allowed
Q: Should I use my Bill Pay
to pay for my loans at StarTrust?
A: No,
you can transfer funds directly from your Checking
Account to your loan through QuickLink. Or,
you can have an automatic payment set up from your account. Both
are easy and efficient.
Q: Are there maximum and/or minimum
amounts that I can pay?
A: The minimum Bill Payment amount is $1.00. The maximum
amount for a Bill Payment is $9,999.
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Products & Services
Q: Does StarTrust offer Business
Accounts?
A: Yes,
we do offer Business Accounts. Talk
to a Financial Services Representative for details at
832.615.7108.
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Loans
Q: How do I apply for a loan with the credit union?
A: Apply for an Anytime Loan 24/7 either online
at www.startrustfcu.com and
click on Anytime Loans, or by calling 800.235.8763.
Q: What is the
APR?
A: The APR (Annual Percentage Rate) calculates
the cost of credit, expressed as a yearly rate including
interest, mortgage insurance, and loan origination fees. This
allows the buyer to compare loans. However,
the APR should not be confused with the actual note rate.
Q: Can I refinance my StarTrust vehicle loan for
a lower interest rate?
A: Refinancing of StarTrust loans is subject to
certain restrictions. Please contact a credit
union representative for more details.
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Fraud
Q: Who should I contact if
my ATM Card or Visa Debit Card has been lost or stolen?
A: First,
call 800.554.8969 to report your card has been lost or
stolen. Then, contact a Financial
Services Representative at StarTrust at 832.615.7000
or 800.241.5871 to notify us and to have a card re-issued
to you. If calling after hours, please leave a
message with detailed information about your card and
we will return your call the next business day.
Q: Who should I contact if
my VISA or MasterCard Credit Card has been lost or
stolen?
A: Call 800.442.4757 to report your card has been
lost or stolen. Also call the Credit Union at 832.615.7000
or 800.241.5871 to let us know. We will then be
able to re-issue you a new credit card. If calling
after hours, please leave a message with detailed information
about your card and we will return your call the next
business day.
Q: Fraudulent activity has
occurred on my StarTrust Credit or Debit Card, what
should I do?
A: If you find that there has been fraudulent activity
on your StarTrust Credit or Debit Card, first, follow
the steps in the previous Q&A to block your card
and notify the credit union.
You will then need to fill out the Affidavit – Fraudulent
Use of ATM, Credit or Debit Card stating that there has
been fraudulent activity on your card. You can
download this Form from the Forms Section of our web
site at www.startrustfcu.com or
you may obtain a copy at our branch. Contact the credit
union at 832.615.7000 or 800.241.5871 for further instructions.
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