FAQ

Membership is open to anyone living or working in the following counties: Polk, Story, Jasper, Marion, Warren, Madison, Boone, Dallas, Plymouth, Cherokee, Ida, Woodbury, Crawford, and Monona. Also, as a credit union originally created by and for postal employees, all postal employees in the state of Iowa are eligible to join First Class Community Credit Union.

A $25 deposit into your savings account is required to become a member at First Class Community Credit Union. The funds remain on hold in your savings account for the duration of your membership with the credit union.

First Class Community Credit Union now has the ability to open accounts online! Visit our Online Membership page to learn more.

To open a personal account, we require a valid form of government-issued photo identification and $25 for membership funds. If your identification does not have a current address we require proof of address (utility bill, lease agreement, home owner’s insurance, government-issued letter, voter registration card.) These documents must be issued within the last 30 days.

To open a youth account, we require all the above information for the parent/guardian and a birth certificate or social security number card for the minor.

To open a business account, we require verification of tax identification number, business agreement, valid government-issued photo identification for all authorized users and membership funds.

Currently, there are no minimum balance requirements for Share Draft Checking Accounts.

Yes! Once membership is initially established we hope to keep you as our member for life!

 Yes! Your deposits are federally insured by the NCUA to at least $250,000 and backed by the full faith and credit of the United States Government.

We can be reached 24 hours a day, 7 days a week by phone toll-free at 1-800-392-7122 or locally at 515-224-4300.  Our fax number is 515-224-4301. Our general inquiries email is firstclassinfo@gofirstclass.org

You may change your address via online banking or by completing a Change of Address Form. Once the form is completed, please email, mail, or drop off the form at one of our branches. This form is also available at both branch locations. To change your address through online or mobile banking, select the preferences tab, under contact info enter your information, select update address.

Yes! To ensure your card is fully operational while traveling please notify us of any travel plans.

Checks can be ordered from our check partner Deluxe by phone (1-877-838-5287), in branch or online.

As soon as you realize your card is missing, please contact us at 1-800-392-7122 to report the card as lost or stolen. Our experienced member service representatives will guide you through the next steps. Via online and mobile banking you may also freeze and unfreeze your debit card. Please note freezing the card immediately upon discovering unauthorized transactions or realizing the card was lost/stolen is the best practice to avoid fraudulent transactions. Please note you will still need to contact the credit union to have a new card issued.

Yes, you can access your accounts through telephone banking. To enroll in telephone banking call 1-800-392-7122, option 4.  and follow the prompts. You will need to know your member number with FCCCU and the last four of your social security number for the initial PIN. You will be prompted to change your PIN upon enrollment.

If you have forgotten your security code, select “Forgot Password” and have a temporary password sent to your email. If you have locked yourself out of the account by trying an incorrect password too many times, please call us at 1-800-392-7122 for assistance.

1. Go to gofirstclass.org
2. Click on the “Online Banking Enrollment” at the top center of the home page.
3. Enter your member information and email address. Your email address must match what we have on file, or you will be unable to enroll.
4. You will then need to enter your member number and date of birth.
5. Enter your username (must be between 8-30 characters).
6. Enter your password (must be between 10-30 characters).
7. After creating your username and password, you will be sent an email with an activation link. You must click the link in the email in order to finish enrollment! Check your spam folder if you do not see it in your inbox.
8. You will be returned to the login page to enter the username and password you just created.

1. Log into Online or Mobile Banking
2. Click on the "Transactions" Tab
3. Select "Bill Pay"
4. Create an Account: select a Challenge Phrase and Response
5. Click Accept and Submit
6. Follow the steps and enter the payment information for each bill you want to pay.

 Within Online or Mobile banking, select the Accounts tab and then select eStatements. It will prompt you to accept the terms and conditions for eStatements.

First Class Community Credit Union believes that in order to protect the assets of our members it may become necessary for some deposits made into their accounts to be unavailable immediately.

Please see our Disclosures page for information on check holds. For further check holds questions, please contact us at 1-800-392-7122.

Direct Deposit allows your employer to send your paycheck directly to your account at FCCCU. If your employer has the ability to direct deposit your check they will just need our routing number seen above and your member number/share draft number. This information is all available at the bottom of your FCCCU Checks. If your employer requires documentation from us either email, call or stop into a branch to get a direct deposit form.

E-Statements will be accessible within the first few business days of the month. You will receive an email notification once the statement is ready. Paper statements will be mailed by the fifth business day of the month.

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To send a wire to an account at First Class Community Credit Union you will need to contact the Credit Union directly and request our specific wiring instructions.

To send a wire from an account at First Class Community Credit Union you will need the recipient's name, address, account number, and their financial institution's address and routing number. If you are sending an international wire you may need information for an intermediary financial institution as well. Please contact the credit union to initiate a wire, fees may apply.

Complete and return the Periodic Payment Form to the credit union to set up an automatic transfer between accounts. You can also schedule both one time and reoccurring transfers within our Online & Mobile banking

If the other financial participates in shared branching you may transfer the funds via shared branching within one of our branches, wire the funds to your account or transfer the funds via debit card with your other financial.

To send funds to a non-member you can utilize a wire transfer, bill pay or visit a branch and have a teller check issued payable to the nonmember.

We provide an array of different options to allow constant access to keep you in the know about your available funds. Online banking, 24/7 member service representatives and audio zip are a few ways to check your balance to know where you are always financially. Within online banking texting or email alerts can also be triggered for specific balance thresholds.

We offer a pathway of overdraft protection should your account fall below zero. Using funds in your savings account is always the first step to cover an overdraft; We'll automatically shift your money in $100 increments from selected savings to cover transactions. If you don't have funds in your savings to cover your overdraft we offer a line of credit loan that can be set up for overdraft protection. Apply for a line of credit loan online.  Lastly, we have Courtesy Pay. With Courtesy Pay, we pay the transactions for you rather than returning them unpaid and help you avoid the embarrassing moment in the checkout line when your card is declined. We do charge a $32 fee for courtesy pay per transaction paid.

To reset your PIN number, please call 1-800-717-4923.

Our credit card partner is Elan Financial Services they can be contacted at 1-866-234-4691.

While we do not recommend any specific insurance companies we do partner with a company called TruStage that can provide quotes for life, auto, and property insurance.

Yes! We currently have a partnership with Affinion (Minnesota Life). For more information about this policy please call Minnesota Life at 1-877-309-6576.

Shared Branching is a cooperative agreement between approximately 6,000 credit unions across the nation that allows members of the participating credit unions to conduct transactions at any shared branching locations. With your member number and a valid government-issued photo identification you can conduct basic transactions on your account with First Class Community Credit Union almost anywhere! Locate a participating shared branch credit union.

To obtain your member number, please call us at 1-800-392-7122.

At First Class Community Credit Union the member number encompasses all individual accounts and serves as the account number for the membership savings. The account number for checking is a combination of the member and additional numbers to create an individual checking account number.

Complete and return the Stop Payment Form to the credit union. A $32 stop payment fee per item may apply, see our fee schedule for details.

We're sorry to see you go. Please contact us at 1-800-392-7122 if there is anything we can remedy to keep your business. If you decide to proceed with closing your account, please electronically complete the Closed Account Form.