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Frequently Asked Questions Home Banking How do I sign off home banking? Can I pay my VISA Credit Card on-line? Debit and Credit Cards Can I have a Debit Card for my account? When I use my Debit Card to make a purchase do I press debit or credit? Can I write "See ID" on the back of my card instead of signing it? General What is the Routing or ABA number for FCTCU? Can I see FCTCU Newsletters online? Individual Retirement Accounts (IRA) What's the difference between a traditional IRA and a Roth IRA? Can I convert a traditional IRA to a Roth IRA? Are Individual Retirement Accounts only for retirement? Why should I have my IRA at my credit union? What are the IRA contribution limits? Should I to make a lump-sum IRA contribution each year? What determines if I'm eligible to contribute to an IRA? Can I contribute to both a traditional and Roth IRA? Anti-Internet Fraud Recommendations What can I do to protect myself from phishing? Membership Am I eligible for membership in FCTCU? Hours & Locations Where is FCTCU located? What are FCTCU's hours? Membership Can I apply for membership on-line? If I retire or no longer work for my school district do I have to close my account? Cash Policy Can I cash a check at the Credit Union? How much cash can I withdraw at the Credit Union? If I write a check from my account to a non-member, will you cash it for them? Student Loans Why are Parent Loans for Undergraduate Students (PLUS) better at FCTCU? Why are FCTCU Student Loans better than other institutions? Forms What form do I need to complete if an unauthorized ACH transaction is posted to my account? What form do I need to complete if an unauthorized share draft is posted to my account? What form do I need to complete if an unauthorized VISA, Point of Sale, or ATM transaction is posted to my account?

		Deposit accounts insured to $250,000 by NCUA.		copyright Franklin County Teachers' Credit Union © 2005 All Rights Reserved