Account and Loan Questions
- How can I sign up for different accounts?
- How can I access my accounts?
- How can I transfer money between my accounts?
- What does "available" balance mean?
- What does a "inactive" account mean?
- How can I request checks for my checking account?
- How can I sign up for a Share or IRA Certificate?
- What happens when a Certificate matures?
- How can I withdraw from a Certificate before the maturity date?
- How can I close an account?
- How can I make loan payments?
- What happens if a loan payment is late?
How can I sign up for different accounts?
If you're just signing up for membership, you can add many of our accounts in the same application. If you're
already a member, you can download and print any application you need from our Printable
Forms database, or contact us and we'll mail the application to you.
How can I access my accounts?
There are a variety of ways to access your funds. Any of our electronic services, including Central@net Home Banking, Teller-Phone, or an ATM or Debit card will give you access day or night from virtually anywhere. You can also send us a signed request for many transactions, or call our Member Services Dept. during business hours to access your accounts, or by stopping by our offices.
back to topHow can I transfer money between my accounts?
You can make transfers in real-time using our free Central@net Home Banking service, or by calling Teller-Phone. Transfers can also be made by calling our Member Services Dept., or by sending a signed request to our offices. As always, you can also visit one of our offices during business hours.
What does "available" balance mean?
This is the amount of your funds that exceeds the minimum balance of the account. For example, if your total balance in Savings is $100, and the minimum balance required is $25, your "available" balance is $75.
What does it mean if my account is "inactive"?
If there is no activity (deposits or other transactions) in your account for over one year, and the balance is less than $500, your account becomes "dormant". Please see our Fees & Charges section for more info. To reactivate a dormant account, all that is required is a small deposit of $5 or more with a signed request to reactivate your account.
How can I request checks for my checking account?
You can now make Online Check Orders, through Liberty Enterprises or Clarke American. You can also call us at 626.799.6000 to request the check order form and booklet by mail.
How can I sign up for a Share or IRA Certificate?
If you are already a member, you can call our Member Services Dept. and we'll set up a Certificate with the amount and term you request by making a transfer from one of your accounts. If you are going to be making a deposit to start a Certificate, just send us a signed request along with your deposit. Click here for current rates and terms.
What happens when a Certificate matures?
You will be notified by mail that your Certificate is going to mature (end). You will have 7 days, starting from the maturity date, in which you can transfer the money to a savings or checking account, let it roll-over into a new Certificate with the same term, or change the term or amount. If you do not reply either by mail or phone during this period, we will simply let it roll-over for the same term and amount.
How can I withdraw from a Certificate before the maturity date?
There will be a penalty for withdrawing all or a portion of a Certificate before maturity; the amount depends on several factors. Please contact our Member Services Dept. to calculate the penalty amount.
How can I close an account?
Send a signed request, either by mail or fax, to our Member Services Dept. Be sure to include your name, account number, request to close a particular account, and your signature. Please include a copy of your Driver's License as well. The remaining balance can be transferred to one of your other E-Central accounts, or mailed as a check to you. Please note: this will not end your membership with E-Central; this is only for closing an account other than your Membership Savings.
How can I make loan payments?
You can set up your loan to make automatic payments each due date. This means that, on the due date (or the next business day for weekends and holidays), our system will automatically transfer the payment amount from the account you specify.
What happens if a loan payment is late?
You may be accessed a late fee if your payment is past its due date. For specific terms and conditions associated with your loan, please refer to your Truth in Lending note disclosure.