FAQs

ATM & Check Card Use

At which ATM machines can I use my IFCU ATM/Check Card?

Once you have been approved, you may use your IFCU ATM/Check Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, Interlink, Visa Networks, Plus, and such other machines or facilities as the Credit Union may designate.

What account transactions can I perform with my IFCU ATM/Check Card?

The following limitations on the frequency and amount of ATM transactions may apply:

  • You may withdraw up to a maximum of $500.00 in any one day, if there are sufficient funds in your account.
  • You may purchase up to a maximum of $1500.00 from POS terminals per day, if there are sufficient funds in your account.
  • You may transfer up to the available balance in your accounts at the time of the transfer.
  • These limits can be raised upon request and approval basis.

The following limitations on the frequency and amount of IFCU VISA Check card transactions may apply:

  • You may withdraw up to a maximum of $509.00 in any one day from an ATM machine, if there are sufficient funds in your account.
  • You may purchase up to a maximum of $1500.00 from POS terminals per day, if there are sufficient funds in your account.
  • You may transfer up to the available balance in your accounts at the time of the transfer.
  • These limits could be raised upon request and approval.

What should I do if my card is lost or stolen?

Tell us AT ONCE if you believe your card has been lost or stolen or if you believe someone has used your card or access code or otherwise accessed your accounts without your authority.

For lost or stolen CREDIT CARDS please call (800) 449-7728.

For lost or stolen DEBIT CARDS please call (866) 906-4127.

Write to: Industrial Federal Credit Union

1115 Sagamore Parkway South

Lafayette, IN 47905

You are responsible for all Electronic Funds Transfer (EFT) transactions you authorize. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts.

If you tell us within two (2) business days you can lose no more than $50.00 if someone used your card without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods.

How do I report a billing error?

In case of errors or questions about electronic funds transfers from your share and share draft accounts, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem appears.

If you have billing errors, or wish to dispute a transaction associated with your credit card, please call (855) 522-2078.

If you have billing errors, or wish to dispute an unauthorized transaction associated with your debit card, please call (765) 771-8000.

Write to: Industrial Federal Credit Union

1115 Sagamore Parkway South

Lafayette, IN 47905

When you get in contact with us you will need to:

Tell us your name and account number

Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information.

Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.

We will tell you the results of our investigation within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45)** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

 

*If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten (10) business days.
**If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.
*NOTE: If the error you assert is an unauthorized VISA transaction, other than a cash disbursement at an ATM, we will credit your account within five (5) business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive credit within ten (10) business days.

 

Online Banking

How do I get started?

Before you can start using Perfect Teller, you must first enroll yourself. The enrollment must be done on a desktop or laptop computer. This can be done by logging into Perfect Teller by clicking here or from the link located at the top of the website labeled Desktop Perfect Teller. When you have entered Perfect Teller click the enroll button. Once you have successfully enrolled the system will assign you a pin number. This pin number will not replace the password you have just chosen. This is an additional piece of information that will be required when logging into another device. Your password must be at least 8 digits in length a combination of numbers and letters

 

How do I change my password?

First signin to Perfect Teller using your current password. Once the Account Summary screen is displayed, there is an option called “Change Password” found in the toolbar (right hand side of screen). Select that option and simply follow the directions from there.

What are the system requirements for using Perfect Teller?

You must have Windows 95 or above, and Internet access.

How much does Perfect Teller cost?

Perfect Teller is a FREE service IFCU offers to benefit members.

How will Perfect Teller make money management easier for me?

You can use Perfect Teller 24 hours a day, 7 days a week, 365 days a year.  It is 100% safe and your privacy is assured.  With Perfect Teller, you can:

  • View and print account histories
  • View account information
  • Make loan payments to IFCU loans
  • View IFCU loan information
  • View and print IFCU loan histories

Can I import my account information into Quicken?

You can export your account information in CSV, TXT and QIF (Quicken) formats.

When you click on an individual share or loan account, you will then be able to view more detailed information about your account history. Your history can be sorted by any column header, including date (which allows you to reverse the date order before printing), transaction description (which groups all similar transactions together), and draft number (which groups all credits together, then all NON-DRAFT debits, and then all DRAFT debits in order, which is the preferred order for Quickens’ reconcile option). The history screen is re-sizable from normal size to full screen.

What is the clock at the top right corner of the window for?

For security reasons, the Perfect Teller program allows you to sit idle for only five minutes before it disconnects you. Each time you perform some operation that requires information to be requested from the Credit Union's computer, it resets the timer back to five minutes. The timer then starts counting down to 0:00 at which time the program will "Time Out" and disconnect you.

What should I do if I discover unauthorized transactions on my account?

If you think your statement is wrong, or if you need more information about a transfer on a statement, we must hear from you within 60 days after we have sent you the first statement on which the error appeared. You can contact us by doing one of the following:

Call: (765) 771-8000 during business hours or (866) 906-4127 after hours (to report lost or stolen cards only)

Fax: (765) 447-3299

Write to: Industrial Federal Credit Union

1115 Sagamore Parkway South

Lafayette, IN 47905

When you get in contact with us you will need to:

  1. Tell us your name and account number
  2. Describe the electronic transfer you are unsure about
  3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.

How can I get assistance if I have questions?

Contact IFCU at (765) 771-8000

Sybil- Automated Telephone Teller

How do I get started?

Apply for your Sybil PIN#: Complete IFCU’s Sybil Application return it to any IFCU Branch or place it in a sealed envelope and mail to:

Industrial Federal Credit Union
1115 Sagamore Parkway South
Lafayette, IN 47905

 

What can I do with Sybil?

By using Sybil, IFCU’s automated telephone teller, you will have 24/7, FREE access to your account(s) just by using your phone. Here are a few of the functions you can perform with Sybil:

  • Transfer between checkings and savings
  • Verify account balance
  • Verify latest transactions
  • Pay Visa bills
  • Pay loans
  • Verify cleared checks

How do I use Sybil?

Each time you call Sybil, it will request you to key in your account number and Personal Identification Number (PIN). You choose the PIN when you apply and no one can access your account without that secret PIN.  Use six digits that are easy for you to remember.

 Not only is Sybil safe and secure; it’s convenient and easy to use. You’ll be guided through every step!

  1. Dial Sybil (765) 771-8000 Option 3 (Lafayette), or (888) 564-4328 Option 3 (Toll Free).
  2. Sybil will greet you and ask for your account number.  Enter your 5 digit account number followed by “#.”
  3. Sybil will then ask for your 6-digit PIN. Enter your PIN followed by the “#” sign.
  4. Sybil will guide you through the menu options. A diagram of all of Sybil’s functions is available for your convenience. Once you’re familiar with Sybil, you can simply use the codes without listening to the options.
  5. To end your call press “1”

How can I report a stolen PIN or unauthorized transfers?

If you believe your PIN has been stolen or used by an unauthorized person, you must report this to us at once. You may also want to change your PIN immediately by directly calling Sybil and making the change. Telephoning us is the best way to keep losses to a minimum. If you do not notify us immediately, you could lose substantial sums of money. If you notify us within two business days, and during that time someone uses your account without your permission, you can lose no more than $50.

 If you do not notify us within two business days after you learn of the theft of your PIN, and we prove that we could have stopped someone from using your PIN without your permission if you had told us, you could lose as much as $500.

 If your statement shows transfers that you did not make, notify us at once. If you do not notify us within 60 days after the statement was mailed to you, you may not get back money you lost after the 60 days if we can prove that if we had been notified we could have stopped someone from taking the money.

 Call: (765) 771-8000 during business hours or (866) 906-4127 after hours (to report lost or stolen cards only)


You can visit any one of our branches to report the theft during opening hours.

Visa Gift Cards

What is the Visa Gift Card?

Your IFCU Visa Gift card is a prepaid Visa Debit Card with a specific dollar value. Your Visa Gift card and its value are accepted at most places Visa Debit is accepted.

How can I check the balance of my Visa Gift Card?

Contact Industrial Federal Credit Union at (765) 771-8000 or visit https://mygiftcardaccount.pscufs.com

What do I do if I need to return an item?

In the event you need to return an item you purchased with your Visa Gift Card, the merchant will handle the item in accordance with Visa guidelines. The merchant may credit your card (put the funds back on the card) thereby increasing your available funds.

What happens when the funds are spent?

When you have depleted all the funds on the card and no returns are necessary, simply destroy and discard the card.

What should I do if my Visa Gift Card is lost or stolen?

Contact IFCU Visa Gift Card Center immediately at (888) 564-4328 during business hours, or (866) 902-6082 after business hours.