FAQs

LOBBY & DRIVE-THRU HOURS 
Monday - Thursday: 9:00 a.m. - 5:00 p.m.
Friday: 9:00 a.m. - 6:00 p.m.
Saturday: 9:00 a.m. - 1:00 p.m.

MEMBER SERVICE CENTER (CALL CENTER) HOURS
Monday - Thursday: 8:00 a.m. - 5:00 p.m.
Friday: 8:00 a.m. - 6:00 p.m.
Saturday: 9:00 a.m. - 1:00 p.m.

The following is required for you and any joint applicants:

1. Unexpired government-issued photo I.D., such as a driver's license or state-issued I.D. card
2. Students (ages 13-17) may provide an unexpired government-issued photo I.D., such as a driver's license or state-issued I.D. card, or two of the following: Birth Certificate, Social Security Card, or Student Identification
3. Proof of address (e.g., utility bill, lease agreement or deed with your current address) if the address on your application does not match the address on your photo I.D.

Point Breeze Credit Union's nine-digit routing number is 252076565.

This number is also sometimes referred to as an ABA or transit number.

Your checking account number (sometimes referred to as your SDC or ACH Number) is located at the bottom of your checks. It's usually the second set of numbers after Point Breeze Credit Union's nine-digit routing number. You can also find your checking account number by logging into Online Banking and looking under Account Details on your checking account history page.

Prior to your departure date, contact our member service center at 888.233.7228, option 4. Please be prepared to provide your departing and return dates, as well as your travel destinations. 

You may authorize a change of address using any ONE of the following methods:

1. Login to Online Banking and click on the My Profile link to edit your contact information. (This is the recommended method.)
2. Complete and return the Change of Address form. Be sure to read and follow the instructions for completing the form, including identification requirements.
3. Stop by any Point Breeze Credit Union office to complete your request.

To change the name on your account(s), simply visit any Point Breeze Credit Union office with the following containing your new name:

• Unexpired government-issued photo I.D., such as a driver's license or state-issued I.D. card
• Court order
• Marriage license or divorce decree

To assure timely processing of your loan application, please be sure that you have this information with you at the time of your appointment:

• Paystubs for the last 30 days, W-2 forms for the past two years and full federal tax returns for the past two years, including all schedules (if you are self-employed or you own more than 25% of a business, copies of business tax returns for the past two years, including all schedules, a year-to-date profit and loss statement and balance sheet)
• Documentation of other earned income (i.e., Social Security, pension, etc.)
• Names, addresses and account numbers of all other financial institutions
• Balances and monthly payments for all liabilities
• Ratified contract of sale and listing, if applicable
• Title insurance policy
• $350.00 application fee
• Additional information required for Home Refinances:
• Property deed
• Current homeowner’s/flood insurance policy(s)
• Current real estate tax bill
• Year-end statement from current mortgage holder(s)
• Please contact us at 888.233.7228 if you have questions or need additional information or clarification.

We offer our sincere condolences and want to help make this troubling time as easy as it can be for you and your loved ones. Simply contact our member service center at 888.233.7228 or visit any Point Breeze Credit Union office. It helps if you are prepared with the following:

• Date of death
• Your relationship to the deceased
• Original death certificate and/or letters of administration

Yes. Estate accounts can be opened when only one personal representative is assigned. The personal representative and/or the deceased must be a Point Breeze Credit Union member. When opening an Estate account, please come prepared with the following:

1. Original death certificate and/or letters of administration issued from the Register of Wills of the county in which the deceased passed away
2. EIN/IRS Estate number,
3. Photo identification for the personal representative

To create or change your Personal Identification Number (PIN) for your Point Breeze debit or credit card, simply call 800.992.3808 or stop by any Point Breeze Credit Union office.

You can easily reorder checks online, by calling us at 888.233.7228, option 4, or by visiting any Point Breeze Credit Union office. When ordering online, you will be asked to enter our Routing Number, your checking account number and your Zip Code to login and begin your order. Below are a couple of notes to help the process go smoothly for you:

• Point Breeze Credit Union's Routing Number is 252076565.
• Your checking account number (sometimes referred to as your SDC or ACH Number) is located at the bottom of your checks. It's usually the second set of numbers after Point Breeze Credit Union's nine-digit routing number. You can also find your checking account number by logging into Online Banking and looking under 'Account Details' on your checking account history page.
• The online ordering system requires a nine-digit account number. If your checking account number is less than nine digits, simply add a leading zero(s) to your account number.

You can request line of credit checks by calling us at 888.233.7228, option 4, sending an email to [email protected] or visiting any Point Breeze Credit Union office.

You can request a Domestic Wire Transfer in person at any Point Breeze Credit Union office. Wire transfer requests are only taken by phone after an original signed and notarized Money Transfer Agreement has been submitted and accepted by the credit union with a valid security code of your choosing.

You are responsible for providing wire transfer instructions for the recipient institution. At a minimum, these instructions should include:

1. Bank Name
2. Bank Telephone Number
3. Bank ABA/Routing Number
4. Bank Address (full address including Street, City, State and Zip)
5. Beneficiary Name (person who will receive the funds)
6. Beneficiary Account Number (account to be credited)
7. Beneficiary Address (full address including Street, City, State and Zip)

You may also be asked to provide photo identification as well as your current street address and daytime phone number.

If completing a wire transfer in one of our offices, please allow time to complete the wire. If you can obtain the wire instruction form from the recipient of the funds, this will help to expedite the process.

In most cases, Domestic Wire Transfer requests are processed the same business day. Requests received after 2:45 p.m. ET will be processed the next business day.

Point Breeze Credit Union does not process outgoing International Wire Transfers. You can receive International Wire Transfers to your Point Breeze account, and you can send or receive Domestic Wire Transfers, in accordance with our Wire Transfer Agreement.

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.  We can cover your overdrafts in two different ways:

1. We have standard overdraft services that come with your account.
2. We also offer overdraft protection plans, such as a link to a savings account, credit card account, or overdraft line of credit, which may be less expensive than our standard overdraft practices.  Ask us to learn more about these plans. This section explains our standard overdraft services.

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions, unless you ask us to (see below):

• ATM transactions
• Everyday Check/Debit Card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.  If we do not authorize and pay an overdraft, your transaction will be declined.

Under our standard overdraft practices:

• We will charge you a fee each time we pay an overdraft. Please refer to the Rate & Fee Schedule.
• There is no limit on the total fees we can charge you for overdrawing your account.

If you want us to authorize and pay overdrafts on ATM and everyday Check/Debit Card transactions, complete the Opt-In form and present it at one of our office locations, or mail it to: 

Point Breeze Credit Union
Attention: Reg E 
11104 McCormick Road
Hunt Valley, MD 21031

Yes.  You can change this decision at any time.  Simply call us at 410.584.7228 or stop by one of our offices to revoke your request that we authorize and pay overdrafts on ATM and everyday Check/Debit Card transactions.

Your Point Breeze checking account comes with the peace of mind that we will make every effort to pay your overdraft. This Opt-In form is requesting your authorization to pay your everyday (one-time) Check/Debit Card transactions and ATM transactions if you do not have sufficient funds in your account.
 
Examples of these transactions include:

• Grocery store purchases
• Restaurant purchases
• Gas stations purchases
• Doctor’s office transactions
• Pharmacy purchases

Of course! Simply complete and return the Extended Overdraft Service Opt-In/Out form, stop by one of our offices to request the form, or call us at 410.584.7228.

Yes. Simply complete and return the Extended Overdraft Service Opt-In/Out form, stop by one of our offices to request the form, or call us at 410.584.7228.

You run the risk of transactions being denied at the ATM or merchant if you do not have sufficient funds in your account. However, even if you Opt-In there is no guarantee that the transaction will be approved if there are no funds in the account.

There are no fees if you never use this protection. However, if you are overdrawn, the regular overdraft fee may be assessed to your account. Please refer to the Rate & Fee Schedule.

We will indicate on your completed Opt-In authorization form that it was received and return it to you, after making a copy for our records.

Mobile Deposit lets you deposit checks into your Point Breeze accounts anywhere, anytime using your mobile device. Just snap a photo of the front and back of your endorsed check. It’s that easy!

Apple iPhones and iPads on Safari 6.0 or higher and most Android phones and tablets are supported.

Yes. Mobile Deposit requires you to login to the Point Breeze Credit Union Mobile App with your username and password, or Touch ID/Face ID for iPhone users. It is protected with 128-bit encryption and firewalls.

You are eligible to use Mobile Deposit if you are at least 13 years of age and have a Point Breeze account in good standing.

Point Breeze does not charge any fees for using Mobile Deposit. Message and data rates may apply. Contact your wireless carrier for details.

You can deposit checks anywhere, anytime without coming to a credit union office. Mobile Deposit can save you both time and money.

To enroll in Mobile Deposit, you must be enrolled in Online Banking and have downloaded the Point Breeze Credit Union App on your smartphone or tablet. Click on the “Check Deposit” icon and agree to the Mobile Deposit Agreement & Disclosure. Once your application is reviewed and approved you will be automatically enrolled. A notice will be sent to you via email within one business day.

Once your application is approved and you are enrolled in Mobile Deposit, you can begin depositing checks to your Point Breeze accounts immediately.

Login to the Point Breeze Credit Union App on your smartphone or tablet and touch the “Check Deposit” icon. There are no separate usernames or passwords needed.

Mobile Deposit can be used to deposit checks into any Point Breeze consumer or business savings or checking account.

Sign/endorse your check as you normally would.

Under your endorsement write “For Mobile Deposit”.

Only one check can be imaged per deposit.

Yes. You can submit multiple deposits in one day as long as you do not exceed your daily and/or monthly Mobile Deposit limits.

The funds will be available 2 business days after the date of deposit if the deposit is made before 3:00 p.m. on a regular business day. If a check is deposited after 3:00 p.m. the funds will be available 3 business days after the date of deposit.

The following items cannot be submitted for deposit using Mobile Deposit:

• Money Orders, Traveler’s Checks, Savings Bonds, incomplete checks or items stamped “non-negotiable”
• Items claiming to be a lottery or prize winning
• Checks drawn on a financial institution located outside the United States or not payable in United States currency 
• Checks payable to any person or entity other than the person or entity that owns the account to which the check is deposited
• Checks containing an alteration on the check front, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn 
• Checks payable jointly, unless deposited into an account in the name of all payees and endorsed by all payees
• Stale-dated checks (more than 6 months old) and post-dated checks (dated for a future day)
• Checks previously submitted for deposit, converted to a substitute check or a remotely created check
• Checks payable on sight or payable through Drafts, as defined in Regulation CC 

Yes. You can see the real-time status of checks deposited by Mobile Deposit.

Yes. You can view Mobile Deposit history, including the front and back images of deposited checks, for up to 180 days from the date of deposit. Point Breeze can provide copies of checks upon request.  Fees may apply. Please refer to the Rate & Fee Schedule.

You should retain the original check for 30 days, after which the check should be destroyed.

A check that has been submitted for mobile deposit cannot be cancelled.

Pay A Person lets you transfer money to anyone in the U.S. with an account at a bank or credit union. All you need is the recipient’s phone number or email address to send money swiftly and securely, without sharing sensitive account information. You may choose to use Pay A Person to make a one-time payment, to schedule a payment to send on a future date, or to create recurring payments.

Pay A Person utilizes the Debit Card “Rails” and ACH (Automated Clearing House) to process money transfers based upon how the recipient chooses to receive their funds. When you send a payment, your recipient will receive a text or email (depending on how you chose to notify them) prompting them to accept your payment and to select how they want to receive the funds—by entering their debit card information or their account number and bank or credit union routing number (ACH).

When a recipient receives your payment depends on how they choose to receive their funds. If the recipient chooses “Debit Card” as the delivery method, the funds will be received immediately. If they choose “Bank Account” (ACH), the funds will be received the next business day.

ACH payments are processed at 4:00 p.m. ET each business day. If a payment is initiated before 4:00 p.m. ET, the payment will be processed the next business day. If a payment is initiated after 4:00 p.m. ET, it will be processed the second business day after the payment is initiated.

When adding a new payee, you will be required to establish a security question and answer which the recipient must answer correctly to receive your payment. When choosing your security question and answer, make sure it is something known and easy to remember between you and the recipient but difficult for an outsider to guess. It is also recommended that you share this information with your recipient (verbally is ideal) prior to sending a payment.
 
Once the recipient has successfully answered the security question and added their debit card or bank account information as the preferred method of delivery, they will not be required to answer a security question for subsequent payments from you.

A recipient has 7 calendar days from when your payment is initiated to claim the funds. If the funds are not claimed within 7 calendar days, the payment will be cancelled.

Credit Score helps you stay on top of your credit by providing your latest credit score and report and helping you understand key factors that impact your score. It also monitors your credit daily and informs you by email if any significant changes are detected, such as a new account being opened, or a change in address, employment, delinquency, or inquiry has been been reported.

Credit Score is free for Point Breeze online and mobile banking users. Simply login to get started.

Credit Score is a "soft inquiry" which does not affect a credit score. Lenders use "hard inquiries" to make decisions about creditworthiness when you apply for loans.

Your credit score will be updated every seven days and displayed in online and mobile banking. You can click "refresh score" as often as every day for an updated credit score.

Credit Score attempts to show the most relevant information from a credit report. If you think some information is wrong or inaccurate, you can obtain a free credit report from www.annualcreditreport.com and then dispute inaccuracies with each bureau individually. Each bureau has its own process for correcting inaccurate information, but every Point Breeze user can "File a Dispute" with Transunion by clicking on the "Dispute" link within Credit Score. Transunion will share this with the other bureaus if the inaccuracy is verified.

Three major credit reporting bureaus (Equifax, Experian, and Transunion) and two scoring models (FICO or VantageScore) determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 credit report factors may be considered when calculating a score, and each model may weigh credit factors differently, so no scoring model is identical.

Point Breeze uses its own lending criteria for making loan decisions. The Credit Score service is provided to help you understand the factors that affect your credit score, and ways you may be able to save money with Point Breeze Credit Union loan products. It is not used for loan approval purposes, or for determining loan rates. Loan rates and approvals are based on information you provide to the credit union when you apply for a loan.