Frequently Asked Questions Online Banking I can’t login If this is your first time accessing your account online you will need to make an online profile by verifying information that we have on file. You don’t need to come into a branch or call our call center to do this. Just go to https://bankonline.stratacu.org/StrataCUOnline_E2E/enroll.html If you forget your login name you can call our call center and after we verify your identity we can share your login name over the phone. If you are not sure if you are using the correct password you are able to reset your password by clicking the link right below the login fields. You will need to do this before 5 failed attempts of logging into your account. After 5 failed attempts our system will lock your account for your safety. You will need to call us or come into a branch to unlock your account. In order to verify with two factor authentications we text, email, or call you based on information we have on file for you. For example if we have your mobile phone number on file we can send you a text message (sms) or call your phone through an automated system. You will receive a 6 digit number that you will use to verify yourself as the second form of identification. The 6 digit number will be typed in the field called Secured Access Code. This is the screen following after you submit your login name and password correctly. Secure Access Codes expire after 24 hours. If you request a new secure access code the previous one will expire. Only one secure access code is valid at a time. To troubleshoot login issue please watch this tutorial – https://youtu.be/onTRjBbxe18 I forgot my password There is a reset password link below the login screen that can reset your password for you. Follow the prompts to reset your password How do I set up TouchID or FaceID From the home screen press “Touch ID” below the login fields. Fill in all the necessary fields. Once you log in once successful. Log out of the mobile app. Close the app. Reopen the app to test if touch id/face id is working. I am locked out If you are locked out of your account no more submissions will be accepted. You will need to call our call center or come to a branch in person to verify your identity and unlock your account. If you have forgotten your password and you are locked out we are able to set a temporary password for you. You will be asked to create a new secure password after you have successfully logged in with the temporary password. How much does it cost to use Bill Pay? There is no cost to use Bill Pay. How do I sign up for online banking? You can sign up for online banking on the home page of our website. Just click on “First Time Login” and we will guide you through it. Or click here to set up your online banking account. Take your time back and log on to any computer to manage your accounts. Online banking lets you check account balances, review past transactions, transfer funds between accounts, and more. Use Online Bill Pay to pay bills electronically, and save time and money. You can also set up alerts, reminders, and recurring payments to avoid getting a late payment fee. Manage your accounts from your computer Easy to enroll and navigate View account balances Review recent transactions Make loan payments Save time and money with Bill Pay Set up alerts and reminders Set up recurring payments Register for online banking today! How do I use remote deposit on the app? Depositing checks from your smartphone is available at Strata CU. Download our app today to get started. The app will ask you to perform tasks such as uploading images of your check. When doing a remote deposit be sure to endorse the check on the back: With your signature, Write “For mobile deposit at Strata CU” Membership Can anyone join the credit union? As long as you meet the requirements to become a member you can join. If you live, work, worship or attend school in Kern County you can become a member of Strata Credit Union. Simply open a Share Savings account with a $5 deposit — and you’re officially one of us! Membership is the greatest difference between your credit union and other financial institutions. Your opening deposit gives you a share in Strata Credit Union earnings. When the credit union makes money it’s reinvested to improve products and services. That means lower interest rates on auto loans, credit cards and personal loans, truly free checking accounts with no strings attached and much more. What are some advantages of being a member of a Credit Union? A Credit Union is a not-for-profit, member-owned and member-operated financial cooperative. We offer members comprehensive financial services at very competitive rates and terms. And, we do it with the personal attention our members deserve. If you live, work, worship or attend school in Kern County you can become a member of Strata Credit Union. Simply open a Share Savings account with a $5 deposit — and you’re officially one of us! Membership is the greatest difference between your credit union and other financial institutions. Your opening deposit gives you a share in Strata Credit Union earnings. When the credit union makes money it’s reinvested to improve products and services. That means lower interest rates on auto loans, credit cards and personal loans, truly free checking accounts with no strings attached and much more. Your money is safe with us. All Credit Union deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), an independent agency of the Federal Government. Enjoy owning part of your local credit union. Open a Share Savings account to join today! Where are your ATMs located? There are ATMs at each of our branch locations. As a member you get access to the CO-OP ATM Network! CO-OP’s nearly 30,000 ATMS and 5,000+ shared branches means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Click here to find an ATM near you! Why did you change your name? There were many reasons to change our name to Strata Credit Union. View this short video to hear all of those reason from our CEO. Checking What’s the difference between a debit card and a credit card? A Credit Card account is a loan which may be paid back monthly or in full as you use it. A Debit Card uses funds that are available in your Checking Account Can I use my debit card while traveling internationally? You may use your Strata Credit Union MasterCard Debit Card or Credit Card worldwide. Please call us before you leave to place a “Travel Notification” on your card for better security and reduce the chances of your card being restricted or blocked. Never rely solely on one card for your needs. Transactions in foreign currencies will convert to US dollars on the date they post to your account. Credit card transactions are subject to a 1% foreign transaction fee. You may call our Card Department at 314-542-7111 if your card stops working or is lost or stolen. What are the overdraft fees? Please see our fee schedule below for fees. Fees may reduce earnings. View our fees. Loans How do I apply to refinance my auto loan? Apply online, in person or over the phone – it’s that easy. Your loan officer will help you facilitate this simple process. Contact us to refinance your auto loan today. How to make a payment from another financial institution? With online banking you can set up external transfers while within online banking. Sign into online banking and select “Add External Accounts” in the left navigation. Follow the instructions on the screen to set up the link between our online banking and your other financial institution. Part of the process will be to verify micro-transactions sent to the external account you indicated to ensure the connection is secure and successful. After you have successfully finished verifying you will be able to transfer money to make your loan payment from within Online Banking. Do you offer Debt Consolidation Loans? Strata CU does offer loans for our members to consolidate bills and pay off other debts. There are several options available to most members. This may include personal loans, credit card balance transfers, home equity loans/lines, or even a first mortgage. If you would like to discuss options before applying, simply call a Member Representative at (661) 327-9461. They are trained to assess your personal situation and decide what loan type fits best. Credit Card How can I make credit card payments? Credit card Payments can be sent: In the mail Over the phone By transfer from Strata Credit Union account in Online Banking or from any financial institution by accessing your credit card in online banking and making a payment there. Do you offer secured credit cards? We no longer offer secured credit cards. An alternative we provide to build credit is our Credit Builder Loan. We have seen more success in regard to credit building through this loan type as opposed to secured credit cards. Savings How does my child redeem their $5 Birthday Voucher? After you receive the post card in the mail come into any branch and present it to a teller. They will be able to deposit the $5 into your child’s savings account.