Frequently Asked Questions

Having trouble finding the answers you need? Look no further, here are our most frequently asked questions!

Frequently Asked Questions

Account Questions

How can I check my account balance?


There are five easy ways to check your account balances!

W e are not allowed to give balance information over the phone as it is a security issue. Please do not call a BOFCU representative for balance information.




How do I order checks?


There are three easy ways to order checks!

  • Call in to our MAIN line Auto-Teller (option 2 on the main menu). Enter account number and Pin, press option 2 inquiries, press option 1 checking inquiries, press option 5 re-order checks.
  • Call and speak to a credit union representative
  • Visit any BOFCU office
If you need assistance, a credit union representative will walk you through the options and place the order for you! For more information about MAIN line Auto-Teller, click here.




How can I add/remove someone from my account?


To add someone to your account:

  • You and the other person will need to visit any BOFCU office
  • You will need to submit the request and sign off on it
  • The other person will need to present 2 forms of valid ID if they do not currently have a BOFCU account
To remove someone from your account:
  1. You will need to visit any BOFCU office
  2. You will need to submit the request and sign off on it
A Credit Union representative can assist you with adding or removing someone from your account.




How do I update my address/contact information?


To update your address and contact information, you can:




I have money on hold in my account. What does this mean?


Funds are placed on hold by merchants when a transaction has been made. You can view any funds on hold in your Account Summary on HomelinK Online Banking. Holds affect your current balance vs. your available balance. If you recognize the merchant and amount:

  • You don't need to take any steps. You can reasonably expect the transaction to process and the funds to be debited anywhere from 1-10 days.
If you recognize the merchant and amount but have already been approved for a refund:
  • This happens sometimes when orders are cancelled or merchandise is returned.
  • If the merchant has confirmed a refund/cancellation of charge, we can release the hold and make the funds available to you.
  • Please be advised, if we release the funds and the merchant still processes the transaction, you will still be liable for the transaction. Be sure to be mindful of your available balance.
If you did not authorize the transaction:
  • You will first need to contact the merchant to pursue a refund.
    • If the merchant has confirmed a refund/cancellation of charge, we can release the hold and make the funds available to you.
    • Please be advised, if we release the funds and the merchant still processes the transaction, you will still be liable for the transaction. Be sure to be mindful of your available balance.
  • If the merchant refuses a refund, you will need to wait for the transaction to hit your account the funds to be debited. At this point, you can then file a dispute on the charge.




There are charges on my account that I did not authorize. What should I do?


If there are transactions on your account that you did not authorize, there are steps you can take to recover the funds. The first step is to identify whether the charge(s) were processed via debit card, credit card, or ACH payment using your account number. A credit union representative can assist you. ACH Transactions:

  • If there is an ACH charge on your account (through your account number and the credit union's routing number), you must contact the merchant to pursue a refund first.
  • If the merchant will not issue a refund, a dispute can be filed.
  • Please note, one dispute form must be filed per transaction.
  • Dispute forms are available in office or on the website.
  • Disputes must be filed within 60 days of the transaction
Debit/Credit Card Transactions:
  • If there is a debit/credit charge on your account, you must contact the merchant to pursue a refund first.
  • If the merchant will not issue a refund, a dispute can be filed.
  • Before submitting a dispute, the card involved has to be flagged and shut off. The credit union will order you a new card with a new number.
  • Please note, one dispute form must be filed per transaction.
  • Dispute forms are available in office or on the website.
  • Disputes must be filed within 60 days of the transaction.
  • PLEASE NOTE: if the transaction was made by someone previously authorized to use your card, at any point, (including friends, family members, etc) you do not have chargeback rights.
For more information, please feel free to contact the credit union directly at 856-692-4000 opt 3. A representative will be able to go over the details of your situation and help suggest the best option for you.




I don't think my account balance is correct. What should I do?


If you are concerned that your account balance is incorrect, the first thing you should do is review your transaction history via HomelinK Online Banking, HomelinK Mobile, or MAINline Telephone Banking.

  • Review each transaction on your account for accuracy
    • This includes deposits and withdrawals
  • Be sure to check for any holds on your account, as holds will affect your available balance
    • For more information on holds, please see below in FAQ
  • Remember that there is a $5 minimum balance in your Share Savings account that will not be included in your available balance
If you authorized all of the transactions on your account, then your balance is correct and you don't need to take any action. If there is a transaction you don't recognize, you can dispute the charge(s). Please see below in FAQ for dispute instructions.




My debit card's expiration date is coming up. Do I need to do anything?


You don't need to take any action when your card is set to expire. Here's a breakdown of what you can expect:

  • Your card will not expire until the last day of the month (i.e. June 30th)
  • You will receive a new card in the mail with activation instructions included
  • Your old card will work until the new card is activated, or until the last day of the month (whichever occurs first)
  • If your card is close to expiration, make sure your address on file is correct to avoid issue!
If you don't receive your new card by the second week of the month, please call the credit union at 856-692-4000 opt 3 to address the issue.




My card was damaged/lost/stolen. What do I do?


If you need to replace your card for any reason, you can either call in or visit any branch office.

  • If your card is damaged, a replacement card with the same number can be ordered for you.
  • If you card is lost or stolen, we will freeze your card and flag it for security purposes. A new card with a new card number can be ordered for you.
  • If your debit card is lost or stolen outside of BOFCU business hours, please call: 1-888-241-2510
  • If your visa card is lost or stolen outside of BOFCU business hours, please call: 1-800-528-2273
If there are transactions you don't recognize on your account since losing the card, you can dispute the charges. Please speak with a credit union representative to confirm whether you will be charged for the replacement card. This varies depending on the situation.




I received a call/letter/email/check that I think is fraudulent. What can I do?


If you are ever contacted and you suspect it is fraudulent, the most important thing is to is refrain from providing any personal information. This includes, but is not limited to:

  • Phone Number
  • Address
  • Email Address
  • Employer
  • Bank/Financial Institution
  • Account Number
  • Debit/Credit Card Number
  • Social Security Number
This is true regardless of who the sender claims to be. Financial institutions, businesses, and government agencies will not ask you to provide/confirm sensitive information. You can always contact the credit union for support. A representative will happily review any letter, email, or check to help confirm its legitimacy. Depending upon the situation, it may be advisable to contact the authorities and alert them. Please feel free to contact the credit union at 856-692-4000 opt 3.





Lending Questions

How can I get a loan?


All loan applications can be submitted by mail, fax, or in person! Certain* loan applications can be submitted online! Click here to apply online. Click here to view our hours and locations. *Loans that cannot be applied for online include: Share and Certificate Secured Loans, Secured Visa Credit Cards, Fixed Rate Home Equity Loans, and Variable Rate Home Equity Lines of Credit Please feel free to contact our Loan Department with any questions that you may have at 856-692-4000 opt. 4.




What if my loan payment is late?


  • A loan is considered late the first day after the due date

  • A late fee will not be charged until the loan payment is 11 days past due

  • This 10 days span is a courtesy, not a grace period; this means your loan is considered in default the first day after the due date

Additional measures will be taken after the 10 day mark including, but not limited to: applying a late fee, freezing the account so that no debits or withdrawals are permitted, notifying the credit bureau, repossessing (for vehicles), charging off your account, and legal action. The longer your loan payment is late, the more steps are taken.

If you are late making your loan payment, the best thing to do is call out collections department. Notification of your current situation and open communication will enable us to assist and guide you as best as possible through the process. Our Owner Solutions team is dedicated to helping our members with their loan payment process.

To contact the Owner Solutions department, please call 856-692-4000 ext 796.
Click here for more information on Owner Solutions.




What if I'm having trouble making my payments?


If you are having trouble paying your loan or credit card, it is important to keep an open line of communication with us. There are options we can extend to help you through your difficult time. Our Owner Solutions team is here to help you!

To contact our Owner Solutions, call 856-692-4000 ext 796.




Do your credit cards have a rewards program?


We do not have a rewards program instead we offer super low rates on all our credit cards Don't have a BOFCU Visa? Click here to apply!




How can I get the payoff amount for my loan?


All requests for loan payoffs must be submitted via email or fax. Email requests to: lending@bofcu.com Fax requests to: 856-507-0630 Make sure to include your name and account number for clairity. Loan payoffs will not be given out over the phone.




I applied for a loan. How can I check on the status of my application?


To check on the status of your application, please contact 856-692-4000 opt. 4 or email lending@bofcu.com. Please be sure to include your full name in any emails to ensure clarity!




Can I get a loan if my credit score is low or I don't have credit history?


If your credit is more colorful and you are concerned about a high interest rate, or not being approved at all, consider our Secured Visa Card or Secured Signature Loans. These have all of the same benefits as our regular visa cards and personal loans, but are secured by the funds in your share account. Secured visas and loans are great ways to begin building credit or to re-establish credit if you've had some bumps along the way. Secured credit cards and loans cannot be applied for online. Please apply in office or by mail. For a list of our hours and locations, click here.




I already have a loan with another institution. Can I refinance with BOFCU?


BOFCU does offer refinancing! Speak to a lending representative to discuss your options.




Does BOFCU offer mortgages?


We partnered with Advisors Mortgage Group, LLC in order to offer the most up-to-date, flexible and competitive mortgage financing as possible. By partnering with Advisors Mortgage Group, LLC, they can offer you a variety of loan options, including both fixed rate and adjustable rate mortgages. Whether you're purchasing your first home or refinancing an existing mortgage, they'll help you find the right mortgage for you. Speak with Carmen Pino by calling 856-498-5025 or emailing him at cpino@advisorsmortgage.com.




How do I pay my loan?


To pay with funds from a BOFCU Account:

  • Log in to HomelinK
  • Select Account Transfer from the Transfer drop-down menu
  • Choose the account and loan you'd like to access and the amount you'd like to pay
  • Submit the transfer to complete the payment
To pay with funds from another financial institution:
Until further notice, all owners wishing to pay their loan using an account with another financial institution will need to:
  • Call 856-692-4000 opt 1, and pay by phone with a debit card or account and routing number
  • Come into any credit union office to make a cash or debit card payment
  • Pay by check through the mail
  • Deposit your payment into our keyless deposit boxes, located at each branch

For more information on loan payments, click here.





Service Questions

How do I sign up for electronic statements?


Follow these instructions to sign up for e-statements:

  1. Log in to HomelinK Online Banking ( Click here for more information on how to access HomelinK)
  2. Select the E-Link option from the Online Services drop-down menu above the Account Summary page
  3. Agree to the Terms and Conditions
  4. Up to 24 months of statements can be viewed on this page at any time ( Click here for more information about E-Link)
You will need to complete this process for every account you would like enrolled in e-statements. This refers to account numbers, not account types (share savings, share draft checking, etc.) Make sure your email address is up to date. The alert for your e-statement will be sent to the email address we have on file. Please note: You can only sign up for e-statements online. Please do not call, send emails, or come into the office to request enrollment. Credit union representatives will only be able to give you instructions to enroll manually.




Where can I download the mobile app?


Our mobile app can be downloaded from the iTunes App Store or the Google Play Store. Click here for instructions on downloading and setting up the app.




Do you have ATMs?


BOFCU is proud to provide 55,000 Surcharge FREE ATMs worldwide through partnership with Allpoint! Allpoint provides you with the freedom to get your cash where you want, when you want, wherever you are... without the ATM fees. With over 55,000 ATMs in the Allpoint network, your cash is never far away. Click here to view more information on Allpoint and where you can find ATMs.




I have a BOFCU account. Can my friend/family member use my benefits? (i.e. discount tickets, notary services)


Per policy, friends and family are not permitted to utilize owner benefits. Family and households members are, however, able to join the credit union. Once joining, they will be eligible for owner benefits, too!

Click here for information on how to join BOFCU!




Can I cash coins at BOFCU?


Wrapped and unwrapped coin will be accepted at any of our offices! There is no minimum or maximum on the amount accepted. Wrapped Coin

  • All wrapped coin must be in appropriate coin wrappers with your account number written on each roll
  • Funds will be deposited into the account immediately or cashed directly
  • Should there be a shortage or overage found by a Credit Union employee, you will be notified
Unwrapped Coin
  • All unwrapped coin must be separated by denomination and deposited in a sturdy container (jar, box, etc)
  • A receipt for acceptance of the coin will be given. You will be required to sign the form.
  • The coin will be counted and the total verified. Verification can take up to three (3) business days from date of receipt.
  • The funds are then deposited into your account and the receipt is mailed.
  • You will be notified of any discrepancies.
Click here for a list of our office hours and locations.




I need to make a large withdrawal from my account. Do I need to call ahead?


For withdrawals totalling $10,000 or more, we request that you please contact us at least 1 week ahead of time. This helps to ensure that we have enough money on site to cover the amount.

Please be particularly mindful around income tax season (February-April) as cash volume changes drastically during this time.
Click here to view our office hours and locations.




Can someone who is not on my account make a deposit or withdrawal for me?


Even if a person is not authorized on your account, they are able to make deposits for you. They will need your account number to make the deposit for you, so make sure it's only for people you trust! If a person is not authorized on your account, however, they can not access any account information or make withdrawals. If you would like another person to have access to your account, you will both need to come in to a branch office and submit a request to add a joint. This can be completed at any BOFCU office. Click here for our office hours and locations.





General Questions

What is the difference between a credit union and a bank?


Banks and credit unions offer essentially the same products and services,
but there are huge differences in the way they operate.
Despite this, many people put more thought into building their Netflix queue
than they do choosing their financial institution. Whether you’re just starting out
or rethinking your current financial setup, here is what you need to know:

The main difference between banks and credit unions is in their structure.
Banks are for profit, while credit unions are member-owned and -operated.
This means that banks have numerous expenses that credit unions simply don’t have.
Banks have to pay their shareholders, their private investors and even their board of directors (credit union boards are volunteers elected by credit union members)—
and all this is in addition to regular operating costs.
Banks are set up in a way that allows a select group of people to make money off of your banking activity.

Credit unions, on the other hand, are set up in a way that allows all of their members to benefit from their profits. Once the operating costs are covered and reserves are set aside, the profits are distributed back to members in the form of free banking products, lower interest rates on loans and higher interest rates on savings accounts. Credit unions in the United States are also exempt from federal and state income taxes, which translates to even more profit that comes back to members.

Credit unions sound pretty great, right? Click here for information on how to open your account today!




How can I join the credit union?


All new accounts must be opened in person at any BOFCU office. To open an account in person, please bring:

  • 2 forms of identification
  • 1st: Photo ID, such as a valid driver's license or Motor Vehicle ID, or passport
  • 2nd: Social security card, photo work ID, major credit card, or school ID for individuals too young for a driver's license
  • Proof of address is required if the address on your ID is incorrect
  • Proof of eligibility OR community support group donation (see above for details)
  • Minimum balance funds ($5.00)
  • If you are on our system as owing funds from a previous account, a new account cannot be opened unless you are prepared to pay what is owed.
Click here to view our hours and locations.




What are your hours?


Our regular hours of operation are:
Monday, Wednesday and Thursday: 9:00 AM - 5:00 PM (EST)
Tuesday: 10:00 AM - 5:00 PM (EST)
Friday: 9:00 AM - 7:00 PM (EST)
Saturday: 9:00 AM - 12:00 PM (EST




Where are your offices located?


We have two convenient office locations!
Bridgeton Office 524 North Pearl Street Bridgeton NJ 08302 Cedarville Office 339 Main Street Cedarville NJ 08311




What is your routing (ABA) number?


Our routing (ABA) number is: 231277518 For easy access, this number can be located at the bottom banner of the website.




Why am I charged fees?


All financial institutions charge fees. The fees we do charge help cover the cost to operate the credit union. A lot of the services we offer (stop payment, wire transfer, etc.) cost us money to process. Unlike banks, credit union are not-for-profit. This means our focus is not on making money from our owners. In fact, our additional income after expense is given back to our owners, in the form of higher account rates and lower loan rates!




Why are there requirements for joining?


Credit unions serve what's called a “field of membership”. This is the commonality between our owners. This common bond between our owners creates a stronger foundation for our institution! Click here to view our requirements for eligibility.





Couldn't find your question on the list?
Click here to contact us with your question or speak to a credit union representative directly at 856-692-4000.