FAQ

General

1. I'd like to join HRCU. How do I know if I'm eligible to join?

   If you live, work or worship in the State of New Hampshire, you are eligible to join Holy Rosary Credit Union. If you have a family member that is a member of HRCU, you are also eligible to join the credit union.

2. How do I log into Mobile Banking?

   You must be registered for Online Banking first. Your username and password is the same in Mobile Banking.
   Download the Mobile Banking app through the Apple App Store and Google Play Store. From your device, download the app by searching for “Holy Rosary Credit Union or HRCU.”
   Follow the prompts

3. What does the message "You currently have registered XX client(s)" mean?

   Every time you register an new electronic device for mobile banking, this message is sent to acknowledge that you have enabled a new or different electronic device like a smartphone or tablet to make mobile banking transactions at HRCU. It shows the total number of electronic devices you have registered for mobile banking.

4. What service charges do you have?

   A complete list of charges can be found on our fee schedule page. View Member Products & Service Rates

5. If my debit or credit card was lost/stolen, how can I receive a new one?

   Members can now have a debit and/or credit card Instant Issued. This means you can now leave the credit union with a new card in hand! However, members still have the option to have a new card sent via mail (arrives in approximately 7-10 business days).

6. What is the Member Support Center?

   Anytime you call HRCU, these member service representatives will be the ones that answer your questions. They are here to help Monday-Friday 8:00 AM - 6:00 PM and Saturday 8:00 AM - 1:00 PM.

7. How do I transfer money from one HRCU account to another HRCU account?

   In order to transfer money from one HRCU account to another, we require an authorization form to be signed by the member initiating the transfer. To obtain this form, simply stop by one of our branch locations, or call us at 603-332-6840 or 877-895-6840.(If transfers were set up PRIOR to our system upgrade, those remained active and are still in effect.)

8. Why does my mobile app lock me out even though I am typing the correct password?

   Your password is case sensitive. Many "smart" phones or electronics put the first letter as a capital even though your password may not have a capital.

9. I do not live in the area and I need to make a deposit; what’s the fastest way to do this?

   HRCU is now a part of the Shared Branching Co-Op Network. You can go to any participating credit union and conduct your banking business (specific rules and regulations apply) right there and it will be directly deposited/withdrawn from your HRCU account. You will need to provide the credit union name of: Holy Rosary Credit Union and you must provide your member number. Visit http://www.co-opsharedbranch.org/ to find a participating location near you. HRCU also now offers mobile deposit for those that use our mobile app. Members can conveniently deposit checks from their mobile device by simply taking a picture of the front and back of the check(s). (Specific rules and stipulations apply)

10. Does HRCU offer financial advising or counseling?

    Yes we do! We have Certified Financial Counselors on staff at every branch available for any member to consult with. HRCU has also partnered with Northeast Planning & Associates, personal investment, estate planning, retirement planning and much more. Contact our Member Support Center at 603-332-6840 for more information.

11. My debit and/or credit card is expiring. Will I receive a new one?

    Yes you will. The debit card is good for the full month it expires in. You will receive a new one in the mail by the end of the month that your current card expires. Please note that your pin number will remain the same. You will not receive a new one in the mail.

12. How much is the rental fee for a safe deposit box?

    Pricing on safe deposit boxes varies by size:

    Safe Deposit Boxes

    3" X 5"	=	$25
    5" X 5"	=	$40
    3" X 10"	=	$50
    5" X 10"	=	$75
    10" X 10"	=	$100

13. What if HRCU doesn’t have my email or it is incorrect?

    Please visit any of our branch locations and an HRCU representative will gladly assist you.

14. I used to be able to transfer funds from one membership to another to make a Visa payment and now I can't, how come?

    If you need to perform this type of transaction, you will need to transfer the funds from the first account to the savings of the second. You then can sign into the second account to make the Visa payment.

15. When do the points on my Visa Credit Card Rewards expire?

    3 years from the POS (Point Of Sale).

16. How do I access my account online?

    You must register for Online Banking access through our website www.hrcu.org. This registration process requires a username, password, as well as a valid email address.

17. Should I contact HRCU before traveling?

    Yes. You should inform HRCU before traveling. Your Debit card and Visa credit card need to be adjusted for the dates and locations that you will be using the card outside of the country. Even if you are traveling within the United States, please let us know so we can make notations on your account.

18. How can I view accounts that I may have with other credit unions/banks online? How do I know if another institution does this?

    While signed into Online Banking, members can add accounts from other institutions by choosing the add icon, under account summary. This will give you a list of institutions that are able to link together. If the other institution is not on the list, then you are unable to link the accounts together at this time.

19. I'm interested in your Share Certificates. What are your rates and terms?

    View our current rates

20. How do I pay my Visa through Online Banking?

    Simply click on the "loans" tab. Underneath the loans tab there is a green banner that has "credit card payment" written in white lettering. Once you click on "credit card payment," you can pay your Visa directly through your checking or savings account!

21. Does HRCU offer youth accounts?

    Yes we do! M3 Money Club is an exciting account for children ages 0-12 that includes a monthly Super Saver Saturday at HRCU Branches (http://www.operationm3.com/hrcu/current-events.php). Elements of Money is a program designed for youth ages 13-17 and is a great way to teach them to be financially responsible (http://www.elementsofmoney.com/hrcu/).

22. How do I sign up to start getting e-Statements?

    Sign into Online Banking
    Click on the e-Statements tab
    Type in YES to accept the disclosure and hit submit. You are all set.

23. How much money do I have to keep in my checking (share draft) account to avoid paying a fee, and how much is the fee?

    HRCU offers a non-interest bearing, no-minimum balance checking account that does not charge a monthly maintenance fee. We also offer an interest bearing checking account that requires a minimum of $100 at all times. If the account falls below the required minimum, the fee is $7.50 and is incurred on the last day of the month.

24. Why isn't my debit card working?

    We find that the biggest reason a debit card doesn't work is because you have exceeded your monetary limit for the day. The card can be used for ATM transactions up to $800 per day and for point of sale purchases up to $2,500 per day. This limit is in effect to prevent large unauthorized transactions.

25. What is your routing number for direct deposit?

    Our routing number (also referred to as an R/T) is 2114-8966-9.