To reset your password, you must have already enrolled in online or mobile banking. Click the “forgot my password” link in the top menu navigation and follow the prompts to reset your information. If you have forgotten your user ID or have trouble resetting your information, please contact the Experience Center by calling 1.844.77CIVIC (1.844.772.4842). 

If you have never enrolled in online or mobile banking, please select “register” from the top menu navigation and follow the prompts to create your account. 

If fraud has occurred on your account, please contact the Experience Center immediately by calling 844-772-4842. Our representatives are available 24/7 and will work to resolve your account issues and take any additional steps required to protect your information.

If your card has been lost or stolen, a replacement can be ordered and sent to you. Contact the Experience Center 24/7 by calling 844-772-4842. A representative will assist in ordering a replacement card, as well as review your recent account history for fraudulent activity.

If your card has been damaged, lost or stolen - a replacement card can be ordered and sent to you. Contact the Experience Center by calling 1.844.772.4842. 

Voice authentication technology uses your distinct voice to confirm your identify. Your voiceprint, as unique as your fingerprint, adds an extra layer of protection, preventing fraudulent attempts by potential impersonators. The technology is about 98% secure and will offer immediate self-service option and a more seamless process.

Yes.

Yes.

1. Open and log in to the Civic mobile app
2. At the bottom of the Accounts page, tap Link and View External Accounts
3. Tap Get Started
4. Select the institution to link the external account from
5. The Link Accounts screen Verify tab will display
6. Enter the external account’s online banking login credentials
7. Tap the Submit button
8. The Link Accounts screen Verify tab will display, and account information will load
9. Tap the Close button to add the external account

1. Log into online banking
2. On the Dashboard, click Get Started under Aggregate your accounts to view accounts at other institutions
3. Click Get Started
4.  Search and select the institution to link the external account from
5. Enter the external account’s online banking login credentials
6. Click Submit button
7.  The Link Accounts screen Verify tab will display, and account information will load
8. Click the Close button to add the external account

To completely remove an external account and its data, click the Delete (trash can) icon.

- Chat with us, weekdays 8 a.m. to 6 p.m. EST.
- Email us at memberservices@civicfcu.org
- Call us at 844.77CIVIC (844.772.4842), available 24/7, including holidays.

A 5/1 ARM is one type of adjustable-rate mortgage. The 5 refers to the length of the fixed-rate period which is the first five years. The "1" is how often the interest rate may adjust after that which is once per year.

Once you apply for a loan through the Mortgage Center, a CUMA agent will contact you to discuss the next steps to prequalification.

Civic's primary field of membership is for local government employees their families and their businesses. But membership is open to anyone that is eligible. Contact us if you have any questions about membership – we’re here to help.

You can open a Select Savings Account with as little as $25, and we’ll even add a $1 deposit for you. But we encourage you to deposit more, because the Select Savings Account pays dividends.

Yes. The basis of membership at Civic is a Select Savings Account. We even help fund the account with $1. This dollar represents your share of the credit union. That’s right! You’re an owner. Learn more about membership details.

1. You’ll need the following information before you apply:
   • Social Security number, address, phone number, email address
   • One form of government ID (driver’s license, passport, military or state ID)
2. Next, review our membership eligibility requirements to make sure you qualify.
3. Last, make sure you have a funding source, like a credit or debit card, or a routing and account number. Or, if you prefer, you can skip this step and remotely deposit a check or mail us a check once you’re approved.

Yes, that's right! Here's how it works: Anytime you get charged an ATM fee, we'll reimburse your account, up to $20 each month. Give us about two days, and you'll see the fee reimbursement show up in your account.

Yes, the same $25 you deposit when you open your new Select Savings Account is also the minimum amount required to maintain your account.

Each account owner gets their own debit card. That way, each person has the flexibility to use Civic the way they like. Want your card to go further? Link it to a digital wallet like Apple Pay^®, Samsung Pay^®, or Google Pay^®.

For each month that you use your card at least 20 times, we will pay you a dividend rate bonus. It's our way of saying thanks for being a member.

If you have have a Civic savings account but not a Civic checking account, you can request an ATM card that allows you access to your funds. Contact the Experience Center to request an ATM card, at 844-772-4842.

The easiest way to access your savings and move your money is through the Civic app! You can use Zelle,® make external transfers from your Select Savings Account, and more.

The application process takes only a few minutes, but it may take longer based on individual needs.

Civic can finance up to 110% of the NADA value of your vehicle.

Yes, you can. Civic would pay off your external lender, and you would begin making payments to Civic.

Pre-approvals are good for 30 days.

Apply online at civicfcu.org OR Contact us at 1-844-772-4842. The Experience Center is available 24/7, including holidays. If you’ve been approved, we will work with you and/or your dealer to complete your financing.

Even if you have been approved by another lender, you can still apply and be approved by Civic.

Civic only requires down payments if there are LTV (loan-to-value) issues or, sometimes, if there are credit issues.

Contact us at 1-844-772-4842 or email us at lending@civicfcu.org.

Bill Pay is available on the Civic mobile app and online banking. In the menu under Transfers & Payments, click or tap Pay Bills. You’ll be asked to accept a disclosure to use Bill Pay.

No, Bill Pay is available to Civic members for free.

Click or tap Add a Payee. Select if you are paying a business or a person

For paying a business: Enter the Name of Business, the Zip Code, select a Default Funding Account, and click or tap the Next button.

For paying a person: Enter the Payee Name, select a Payment Method, and click or tap the Next button. Then, enter the payee’s Address, Phone Number, Nickname, and click or tap the Add Payee button.

In Bill Pay, click or tap “Scheduled” for scheduled payments and “History” to view past payments.

Click or tap the delete (trash can) icon to cancel a single or recurring payment. You will have the option to cancel the next payment or cancel all payments

- Chat with us, weekdays 8 a.m. to 6 p.m. EST.

- Email us at memberservices@civicfcu.org

- Call us at 844.77CIVIC (844.772.4842), available 24/7, including holidays.

Civic partners with uChoose Rewards so you can earn 1 point for each dollar you spend on qualifying purchases using your Civic Business Rewards Credit Card. The offer is good anywhere in the U.S. that the card is accepted.

It’s easy! When you reach 100 points or more, your points are automatically redeemed to your account as monthly statement credits.

Log in to Civic online banking and click on My Rewards to view all the points you’ve recently earned and redeemed.

Don’t worry: If your card is lost or stolen and a replacement is issued, you can access your points with the new card, as long as it is on the same account. Once you receive your new card, simply log in as usual and you will see the new card and current points balance.

Right from the start, we encourage you to designate one or more of your accounts as overdraft options. That way, if a charge cannot be covered – and there’s money available in a designated account - we’ll move what’s needed to cover the charge. This important overdraft protection step prevents an overdraft situation and eliminates any insufficient funds fees. So, when you select overdraft protection options, you can use a savings, money market, credit card, personal line of credit or another checking account. And you can combine options together

If a charge comes through your account and your balance cannot support the charge, we can transfer exactly the amount that’s needed to cover the charge from your designated overdraft account. To set up this service, contact the Experience Center.

Yes! We’ve got options when you want to go old-school. Your first box of standard Civic checks are complimentary. If you need checks, just let us know. We will get them ordered and sent to your address on file.

Yes. If there are no funds of any kind available, we will have to reject the transaction and charge your account a $15 fee. To avoid this, enroll your account in overdraft protection [*see the third and fourth question].

The early withdrawal penalty for Civic Choice Certificates uses dividend funds and is calculated based on the term of your account. Here is how we calculate early withdrawal penalties:

• Terms of 6 to 11 months = 90 days dividends or all dividends earned, whichever is less
• Terms of 12 to 60 months = 180 days dividends or all dividends earned, whichever is less

The early penalty withdrawal applies to all Civic Choice Certificates.

Civic Choice Certificates have customizable terms that provide you with flexible planning. Our team recognizes that extenuating circumstances do happen. If you are a member with an account and need to communicate a circumstance to us, please contact the Experience Center for more information.

There's just one basic difference: Credit unions and banks call the same product different names. Share Term Certificates (like our Choice Certificate) are how credit unions say it. Certificates of Deposit, or CDs, are what banks say.

Credit unions refer to the money earned by deposit accounts as dividends. Other financial institutions commonly call this money interest. The IRS views dividends the same as interest.

If you’re opening your account with up to $1,000, it’s easiest to fund it by using your debit card. You can also electronically transfer funds from another online account securely, and authenticated within a few business days. . Or use mobile check deposit in the Civic app to fund your account. (You can even mail a paper check to Civic.)

The minimum payment calculation for all Civic credit cards is 3% of the outstanding balance or $25, whichever is greater. Statements are sent on the 31st of each month and payments are due on the 25th.

No. The Classic Credit Card has the lowest possible rates of any card we offer. If you want reward options, check out the Rewards Credit Card.

After your credit card is activated, use mobile or online banking to log into your secure portal. Here, the system will walk you through the balance transfer process.

While we waive a lot of fees (like annual, application, and cash advance fees), there is still a late payment fee.^

Contactless payments are made by tapping either a payment-enabled mobile or wearable device or a contactless chip card over a contactless-enabled payment terminal. The same contactless technology is used by cards, phones, watches and other devices.

Yes, your contactless card uses the latest chip security to ensure it is as safe as inserting a chip card.

For complete instructions on setting up Apple Pay® and adding your Civic card to it, please click here.

For complete instructions on setting up Google Pay™ and adding your Civic card to it, please click here.

When you are ready to pay, hold your card within 1-2 inches of a contactless-enabled terminal. Once you hear a “beep” or see a checkmark or green light, you can remove your card.

Depending on the merchant, you may be asked to enter your PIN or sign for approval.

Holding your card flatly is the best way to hold when near the contactless symbol.

When you are ready to pay, look for the contactless symbol at the payment terminal.

You can still use your contactless card by inserting your card, or at a magnetic stripe terminal by swiping your card.

No, consumer ATM cards and business cards are not eligible for digital issuance.

Yes! The temporary digital version of your card is valid from 30 days from issuance. Once you activate your physical card, your digital wallet will automatically update your card details.

Whether traveling or completing an online purchase, use the Travel Plan function within Control+ to allow international transactions on your card(s). Just set the start date, end date, and location of your travel. Note: To update or remove a travel plan, contact Civic directly.

• Card number
• Mailing address on file with Civic
• ZIP code
• Expiration date
• CVV/CVC code

For extra security, Secondary authentication includes:

• Security token number sent in an email
• Last 4 digits of SSN (TIN/EIN for businesses)

Important FYI: Multiple individuals can register the same card as long as they know the card details. Example: Multiple individuals registering one card can include a parent/child, or employer/employee

Turn your card(s) “off” or “on” using the Lock and Unlock icon within Control+. When locked, no transactions will be approved on your card. Note that any previously authorized transaction will still clear your account.

Yes; all debit and credit cards are eligible to be registered within Control+.

Multiple cards from Civic can be linked to one registered Control+ account. Additional cards can be added right from the home screen (Card Details screen); swipe to find the Edit and Add Cards function.

No. Only Civic debit and credits cards can be used within Control+.

No, this is free to all cardholders who have mobile banking log-in credentials.

You can remove your card(s) from within the Control+ app at any time.

No, consumer ATM cards and business cards are not eligible for digital issuance.

Yes! The temporary digital version of your card is valid from 30 days from issuance. Once you activate your physical card, your digital wallet will automatically update your card details.

Loan amounts are available from $500 to $2,000.

Loans from $500 to $1,000 have a maximum term of 12 months.

Loans from $1,001 to $2,000 have a maximum term of 24 months.

Yes. We will report your loan payment history to Equifax and Transunion if you make each required monthly payment on or before the due date and in the proper amount.

Failure to meet your monthly payment obligations would cause you to be in “Default.” If the Default continues for twenty-five (25) days, we will demand immediate payment of all amounts that you owe by taking funds from your Select Savings Account to repay your loan.

The Credit Builder Loan is a fixed rate set at 4% plus the dividend rate on the Select Savings account.

No. The loan proceeds will be deposited into your Select Savings account and placed on hold as collateral for the loan. When the loan is paid in full, you will have access to the funds.

When you have paid off the loan in full, the hold on the funds will be released, and you can access the funds.

We process all loan applications as soon as possible and usually have an answer within 1 to 2 business days.

We work fast. The online application will take less than ten minutes. You will have an answer within one business day.

You can still apply. Our team will look for ways we can help you.

You can still apply. We may ask for a co-borrower if needed.

Consider how you will use your card. If you want to perform balance transfers, replace another card or make large purchases, ensure the credit limit you request covers these amounts. And, don’t worry if you qualify for more; we'll let you know. As a note, loan amounts up to $30,000 for individuals and up to $60,000 for joint accounts.

Yes! You can have a Classic Credit Card and a Rewards Credit Card. To do this, you will just need to qualify for both. Cardholders are limited to one (1) Classic Credit Card.

Once you get your credit card, you can request a balance transfer anytime through the Civic mobile app or our website. If you have more specific questions as you get started, the Experience Center is available to help you navigate the process.

We can establish your membership during the account opening process.

Yes, it is available in both.

In the Civic app, click “More” and click “Financial Health.” In online banking, it is located in the menu.

To view your spending data, click “Financial Health” and click “Spending Summary.”

To view your savings goals, click ‘Financial Health” and click “Savings Goals”

1. Click “Create a Savings Goal”
2. The Add Goal window will display.
3. Select an account to (a green checkmark will display next to the account).
4. Click the Next button
5. Select a category to set for the goal (a green checkmark will display next to the category).
6. Click the Next button.
7. Click the Goal Icon to add an image (optional).
8. Note: Photo upload is only available via desktop.
9. Enter the Goal Name (required).
10. Enter the Goal Amount (required).
11. Enter the Target Date (optional).
12. Click the Create Goal button.
13. A success message will display, indicating the goal has been successfully created.

- Chat with us, weekdays 8 a.m. to 6 p.m. EST.
- Email us at memberservices@civicfcu.org
- Call us at 844.77CIVIC (844.772.4842), available 24/7, including holidays.

Yes, all you need to do is request this account. We’ll make sure a percentage of your spending goes back into the Fire service through our partnership with NCFSA. And, you will earn 0.50% APY when you make 20 transactions each month. It’s a true win, win.

Looking for other ways to support the NC Fire Service? Check out our You + Money blog post on 3 Easy Ways to Give Back.

GAP insurance, or guaranteed asset protection, covers the ‘gap’ between what you owe and what your car is worth. The plus in GAP+ stands for an additional $1,000 you will receive towards the principal of a replacement vehicle.

Civic offers GAP+ insurance for $300 and is built into the car loan.

GAP+ insurance can benefit anyone who buys a new car, but there are two instances where you should strongly consider GAP+ coverage:

• Low Money Down: You put less than 20% down on your new car. The lower your down payment, the greater the risk if you don’t have GAP+ insurance.
• Length of Loan: Your loan term is longer than 60 months. The longer your loan term, the slower your principal balance goes down, so the longer you’re at risk if you don’t have GAP+ insurance.

The maximum loan amount is $250,000 - but your credit limit will be based on your individual factors.

The Civic Home Equity Line of Credit is a variable rate loan product.

You have 15 years to make advances. At the conclusion of this time any outstanding balance is amortized over a 10 year repayment period.

Yes. You can refinance an existing Home Equity Loan into a Home Equity Line of Credit with Civic.

Yes. Civic reports your payment history to the credit bureaus.

Advanced funds can be placed into any Bonus Checking, Select Savings, or Money Market account. We recommend the Bonus checking for quickest access through your debit card.

Your final interest rate will depend on your loan to value (LTV), line amount and other individual factors.

We process all loan applications as soon as possible and usually have an answer within 1-2 business days.

Home Equity Lines of Credit can come with certain tax benefits not available with personal loans. Consult your tax advisor or accountant to see if you qualify.

We’ll ask you a few questions to get a preliminary approval. Your loan officer will reach out with details of what documentation is needed to complete your application.

For Traditional HELOC, your payment is 1% of the outstanding balance, plus any interest that has accrued.

For Interest-only HELOC, your payment is the interest rate of the drawn amount.

Yes. An appraisal is required to validate the value of your property to best determine the amount of equity you have in your home.

Pick the contact method that works best for you.

• Email us at memberservices@civicfcu.org
• Text us at 844.77CIVIC (844.772.4842) (Weekdays 8 a.m. to 6 p.m.)
• Call us at 844.77CIVIC (844.772.4842) (Available 24/7, including holidays)

*Hearing & speech impaired (TTY): Dial 711 for relay services

Voice authentication technology uses your distinct voice to confirm your identify. Your voiceprint, as unique as your fingerprint, adds an extra layer of protection, preventing fraudulent attempts by potential impersonators. The technology is about 98% secure and will offer immediate self-service option and a more seamless process.

Yes.

Yes.

The application process takes only a few minutes, but it may take longer based on individual needs.

This account earns you dividends when the balance remains at or above $250. If your Money Market Account falls below the $250 minimum balance, your account won't earn dividends for that month. You will also incur a $2 fee if your account balance is below $250 on the last day of the month. Tip: If you dip below the $250 minimum on a regular basis, the Select Savings Account may be a better fit for you.

Yes. We will get you started with one box of complimentary checks for your account. Giving you flexible options for your money is our priority. And there are times when checks are just necessary. Tip: To move funds faster, use mobile or online banking for unlimited transfers.

Yes. Funds in all Civic Money Market Accounts are insured up to NCUA maximums.

This account has the ability to write checks but does not come with a debit card. Here's a tip: If you need more options to move money, consider a Bonus Checking Account.

If you’re opening your account with up to $1,000, it’s easiest to fund it by using your debit card. You can also electronically transfer funds from another online account security, and authenticated within a few business days. Or use mobile check deposit in the Civic app to fund your account. (You can even mail a paper check to Civic.)

It’s an account held by your mortgage service provider that holds money from your monthly mortgage payments to pay your taxes and insurance when they are due.

This is where you get a mortgage loan for more than you currently owe on your home. The difference between the new, refinanced mortgage and the balance on your previous mortgage goes to you as cash at closing.

Your needs will determine which one will best fit your unique circumstances. A fixed-rate mortgage has predictable payments for the entire term of your mortgage loan. An adjustable-rate mortgage (ARM) starts off as fixed and moves to a variable – meaning a changing rate. An ARM option can be helpful for short-term ownership, but your specific needs will help inform your decision.

Each month, when you make your monthly mortgage payment, your lender will take a portion of that money and put it in your escrow account. Your mortgage servicer will hold that money until your property taxes and insurance are due.

myScore+, powered by SavvyMoney®, is a comprehensive credit score program that instantly provides a comprehensive credit score analysis, full credit report, monitoring, credit alerts, and personalized offers—all in one dashboard. Not only can you access your most recent credit score and reports with no repercussions, but myScore+ helps you understand each factor that influences your credit score. This tool is available online and via mobile banking^*, so with a swipe or two of your phone, you can start shaping your financial future to align with your goals.

Yes. myScore+ is entirely free and no credit card information is required to register.

No. Checking your credit score with myScore+ is a “soft inquiry”, which does not affect your credit score. Lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.

If you are a regular online banking user, your credit score will be updated every month and displayed in your online banking screen. You can click (or tap) “refresh score” as frequently as every day by navigating to the detailed myScore+ site from within online banking.

myScore+ uses high-level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

myScore+ pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. More than 200 factors in a credit report may be taken into account when calculating a score, and each scoring model may weigh credit factors differently, so no scoring model is completely identical.

No, Civic Federal Credit Union uses its own lending criteria for making loan decisions.

It’s easy! Search the NCUA’s online Credit Union Locator to verify our status. And like most credit unions, we display the official NCUA insurance sign in our advertising, where deposits are normally accepted (such as our branches, ATMs, etc.), and on our website. This insurance is required by law to protect members, and no credit union can end its federal insurance without first notifying members.

No, there are no charges or fees assessed to you for this coverage.

Share insurance covers the balance of each of your deposit accounts, dollar-for-dollar up to the insurance limit, including your principal and posted dividends through the date of a credit union’s closure. But here’s an important point: Not a single penny of insured savings has ever been lost by a member of a federally insured credit union! 

What’s not insured by NCUA? Money invested in stocks, bonds, mutual funds, life insurance policies, annuities or municipal securities.

The Civic personal line of credit can be used for 10 years.

Here is the math: Payments for the personal line of credit are 2.5% of the outstanding principal balance, plus any interest that has accrued.

Yes, this account can be used to protect your Bonus Checking account from any unplanned purchases. The authorized overdraft protection transfers money from a personal line of credit in $50 increments.

Not at all. You can advance whatever amount you need from your available balance.

For the fastest access, use online or mobile banking to transfer funds from your line of credit to any Bonus Checking, Select Savings or Money Market Account. If a check payment is preferred, contact the Experience Center and make a request for an official check. The requested check will be mailed to you at the address we have on file for your accounts.

In a nutshell, one is a lump sum and the other is as-needed. A personal loan distributes your loaned funds in one lump sum. A personal line of credit is a revolving loan where you can draw from or advance the money you need, up to your available amount.

Yes. All of the funds must be distributed from the loan at once. If you want more flexibility on when you take distributions from your loan, we suggest a personal line of credit.

Civic members can use the funds currently on deposit as collateral for a loan. These funds should be free of any holds and must be located in a Select Savings or Choice Certificate account.

Personal loan funds are flexible in that they are to handle personal matters. Use the funds to cover whatever needs match your particular situation.

Approved borrowers can schedule their first payment up to 45 days out. During your application, a loan officer will discuss all repayment schedule options available to you.

While we waive a lot of fees, there is still a late payment fee.^

This card provides unlimited points, which accrue as you make purchases and can be redeemed the following month. For full details, check out the terms and conditions.

You can track your points and view your rewards anytime when you log in to online banking. Click the link to the uChoose Rewards online catalog to see all your reward options.

Click apply, and you’re on your way!

Civic partners with uChoose Rewards so you can earn 1 point for each dollar you spend on qualifying purchases using your Civic Rewards Credit Card. The offer is good anywhere in the U.S. that the card is accepted. You can earn even more points when you shop at the participating retailers featured on the uChoose Rewards site.

You can redeem your points online for gift cards, merchandise, travel perks and more, or choose to pay with points at participating merchants.

It can take up to 60 days for your points to be credited to your account. To redeem your points, you may need to accumulate a minimum points threshold. Check the dashboard on the uChoose Rewards homepage to see when you’re eligible for redemption.

Log in to Civic online banking and click on My Rewards to view all the points you’ve recently earned and redeemed.

Don’t worry: If your card is lost or stolen and a replacement is issued, you can access your points with the new card, as long as it is on the same account. Once you receive your new card, simply log in as usual and you will see the new card and current points balance.

An IRA is a personal savings account that allows you to save for retirement with tax-free contributions (Traditional IRA) or with tax-free withdrawals (Roth IRA).

The right IRA is up to you. With a Traditional IRA, your contributions are tax-deductible, but you’ll be taxed on your distributions. With a Roth IRA, distributions are tax-free, but your contributions are taxed.

Roth IRAs are a smart choice for many people, but you may want to talk to your financial adviser to figure out if it is the right IRA for you.

Yes. You can open as many types of savings accounts as you need to reach your savings goal. If you want to talk more specifically about options, please don’t hesitate to reach out to the Experience Center. They are available for you 24/7, including holidays. 

The National Credit Union Administration, commonly referred to as NCUA, is an independent agency of the United States government that regulates, charters and supervises federal credit unions. NCUA also operates and manages the National Credit Union Share Insurance Fund (NCUSIF). Backed by the full faith and credit of the U.S. government, the NCUSIF insures the accounts of millions of account holders in all federal credit unions and the vast majority of state-chartered credit unions. The standard share insurance amount is $250,000 per share owner, per insured credit union, for each account ownership category. The $250,000 standard share insurance account became permanent through the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.

If you have a Select Savings Account but not a checking account, you can request an ATM card that allows you access to your funds. Just contact the Experience Center 24/7 at 844-772-4842 to request your ATM card.

No. This is a feature always available to you to help plan for future purchases. Even if you don’t use it now, it’ll be there if you need it.

Civic is a credit union. All members have a Select Savings Account opened for them. We even help fund the account with $1. This dollar represents your share of the credit union. That’s right! You’re an owner. Learn more about membership details.

Yes, you can open a Select Savings Account for a minor. It's never too early to start saving! You will need an adult or guardian who is at least 18 years of age who will be listed as a joint account holder.  Our process will guide you through the easy steps to open a Select Savings Account for a minor.

Yes, you can open multiple Select Savings Accounts. You just need $25 to open each account. That same amount is the minimum required to maintain your account.

A Select Savings Account can be opened with as little as $25. However, we encourage you to do more. This account was designed to help you reach your savings goals, whatever they may be.

Yes, we give you the flexibility to add and remove beneficiaries on any Civic deposit account. And there are no restrictions on the number of beneficiaries you choose. Tip: Dispersal amounts for your account are delegated equally. To get started contact the Experience Center.

If you have have a Civic savings account but not a Civic checking account, you can request an ATM card that allows you access to your funds. Contact the Experience Center to request an ATM card, at 844-772-4842.

The easiest way to access your savings and move your money is through the Civic app! You can use Zelle,® make external transfers from your Select Savings Account, and more.

An IRA is a personal savings account that allows you to save for retirement with tax-free contributions or withdrawals, depending on the account.

A SEP IRA is a tax-deferred account, meaning your contributions are made with pre-tax dollars and withdrawals are taxed as ordinary income.

Yes, you can set up a SEP for your self-employed business!

Business owners with employees can make contributions for themselves and any eligible employees. (Employees cannot make contributions for themselves.) 

If you’re self-employed with or without employees, and don’t have a 401(k) program to save for retirement, you can open a SEP IRA.

Anytime. But if you withdraw money from your SEP IRA before you reach age 59 1/2, you are likely obligated to pay a 10% penalty on the amount withdrawn. 

Distributions must begin once you (the account holder) are age 72, or age 73 if you turned 72 after December 31, 2022. You are responsible for paying ordinary income taxes regardless of when you withdraw.

Yes, we give you the flexibility to add and remove beneficiaries on any Civic deposit account. And there are no restrictions on the number of beneficiaries you choose. Tip: Dispersal amounts for your account are delegated equally. To get started contact the Experience Center.

You choose your distribution date when you open your Steady Save Savings Account. There are two options: The fourth Friday of March, or the fourth Friday of October.

Members are restricted to lump-sum withdrawals for the Steady Save Account during the March and October dates. The account is structured for distributions on the date you choose, but you’re not prohibited from accessing the funds at other times.

The National Credit Union Administration, commonly referred to as NCUA, is an independent agency of the United States government that regulates, charters and supervises federal credit unions. NCUA also operates and manages the National Credit Union Share Insurance Fund (NCUSIF). Backed by the full faith and credit of the U.S. government, the NCUSIF insures the accounts of millions of account holders in all federal credit unions and the vast majority of state-chartered credit unions. The standard share insurance amount is $250,000 per share owner, per insured credit union, for each account ownership category. The $250,000 standard share insurance account became permanent through the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.

Dividends are compounded daily and paid monthly.

It’s you! You are in total control of how much and how often you save. You will make that decision when you open the Steady Save Account.

Yes. Well, almost. In 2024, you can visit us at one of our locations opening in Ahoskie, Asheville, Charlotte, Durham, Greensboro, Greenville, Hickory, Lumberton, Murphy, Raleigh and Wilmington.

Civic is open to employees and retirees of local government, their family members and volunteers who service local government in North Carolina. In addition, businesses and nonprofit organizations that serve local government are also eligible. But, membership opportunities do not stop there. For full details on all membership options, please click here.

All members are required to have a Savings Account. This account requires a minimum deposit of $25.

You can open your new account by using a debit card, credit card, personal check or electronic transfer from another financial institution.

An IRA is a personal savings account that allows you to save for retirement with tax-free contributions (Traditional IRA) or with tax-free withdrawals (Roth IRA).

The right IRA is up to you. With a Traditional IRA, your contributions are tax-deductible, but you’ll be taxed on your distributions. With a Roth IRA, distributions are tax-free, but your contributions are taxed. 

Yes. Any withdrawals (except non-deductible contributions) from a Traditional IRA are subject to regular income taxes.

Yes, you can take a distribution at any time! Penalty-free withdrawals before age 59½ are allowed if:

• You are a first-time homebuyer ($10,000 lifetime limit)
• You are using the withdrawal to pay for certain higher education expenses
• Certain conditions are met for unemployment or qualifying medical expenses
• The distribution was a result of disability or death
• Distributions were part of a series of substantially equal periodic payments
• You took qualified reservist distribution while serving on active duty
• Distribution is used to pay a federal tax levy

If you are age 50 or older in the year of contribution, eligible account holders can make an additional contribution of $1,000 above the distribution limit set by the IRS.

You will need to provide basic information, including the following: full name, date of birth, home address, email address, phone number, social security number, a valid ID number, current employer, and marital status. Additionally, you will need to provide a funding method for your new account. The minimum amount needed to open a Civic Bonus Checking Account is $5.

The parent or guardian will have to meet the ID requirement for our Civic youth accounts. The minor will not have to provide an ID.

Our Civic youth accounts are designed to help you teach your child smart money habits as they grow. At age 18, we welcome your teen into a full financial life! That’s when the NextGen Savings Account will automatically transition to a Select Savings Account. And that’s when NextGen Checking Account will automatically convert to a Bonus Checking Account when the minor turns 18.

The YoungStar Account, for children ages 0 to 12, offers only an ATM card to withdraw funds; the YoungStar Account does not offer online access. At age 13, YoungStar converts to a NextGen Savings Account for teens aged 13 to 17 that offers limited mobile and account access to help your child to learn to manage money. You can choose to apply and pair your NextGen Savings with a NextGen Checking Account for teens, which offers a debit card and also offers limited online and mobile account access.

There are no fees — no overdraft, insufficient funds or maintenance fees for youth accounts.

Under the watchful eye of parents, NextGen teens age 13-17 can use our online and digital channels to conduct transactions on their accounts, from anywhere. This includes mobile phones, ATMs and remote check deposit! For the YoungStar members ages 0-12, parents will conduct transactions on behalf of their young members.

The NextGen Checking account for ages 13-17 does not include checks. It does include a debit card that enables your teen to make purchases, like school supplies, tickets to school events, concessions, and other needs under your watchful eye. The YoungStar account ages 0-12 does not have checks or a debit card.

Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank¹.

You can send, request, or receive money with Zelle®. To get started, log into Civic’s online banking or mobile app³ and select “Send Money with Zelle®”. Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you’re ready to start sending and receiving with Zelle®.

To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes². To request⁴ money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile phone number.

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Civic account, typically within minutes².

It’s easy — Zelle® is already available within the Civic mobile app³ and online banking! Check our app or sign-in online and follow a few simple steps to enroll with Zelle® today.

Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile phone number to Civic so you can use it for Zelle®. Once customer support moves your email address or U.S. mobile phone number, it will be connected to your Civic account so you can start sending and receiving money with Zelle® through the Civic mobile app³ and online banking. Please call Civic customer support toll-free at (844) 772-4842 for help.

When you enroll with Zelle® through the Civic mobile app³ or online banking, your name, the name of your bank/credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Civic. When someone sends money to your enrolled email address or U.S. mobile number, Zelle® looks up the email address or mobile number in its “directory” and notifies Civic of the incoming payment. Civic then directs the payment into your Civic account, all while keeping your sensitive account details private.

Keeping your money and information safe is a top priority for Civic. When you use Zelle® within our mobile app³ or online banking, your information is protected with the same technology we use to keep your Civic account safe.

You can send money to friends, family and others you trust¹ even if they have a different bank or credit union.

Since money is sent directly from your Civic account to another person’s bank account within minutes², it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.

If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®.

These types of transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Civic nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor¹.

Since money is sent directly from your Civic account to another person’s bank account within minutes², Zelle® should only be used to send money to friends, family and others you trust.

Neither Civic nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your Civic mobile app using just their email address or U.S. mobile number.

Neither Civic nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.

In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact our customer support team at (844) 772-4842 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately call our customer support team at (844) 772-4842 so we can help you.

Civic does not charge any fees³ to use Zelle® with your personal checking account.

The amount of money you can send, as well as the frequency is set by each participating financial institution. To determine Civic's send limits, call our customer service at (844) 772-4842.

There are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

You can find a full list of participating banks and credit unions live with Zelle® here.

If your recipient’s bank or credit union isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.

To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

Yes! They will receive an email or text message notification via the email or U.S. mobile number they used to enroll with Zelle®.

If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Civic account, typically within minutes²

If you have not yet enrolled with Zelle®, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.

2. Select Civic.

3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.

Money sent with Zelle® is typically available to an enrolled recipient within minutes.

If you send money to someone who isn’t enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be sent directly to your recipient’s account, typically within minutes.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please give the Civic customer support team a call toll-free at (844) 772-4842 or get in touch through our support page.