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Carolinas Telco Federal Credit Union
For CTFCU accounts, please use the ABA Routing number 253074977.
No, CTFCU does not participate in shared banking at this time.
Yes, CTFCU offers an array of investment options and Wealth Management services to assist you with achieving your financial goals.
For more information about investment or Wealth Management, or to meet our Capital Advisor Team, visit your local CTFCU branch or call 1-800-622-5305.
Currently, our branches do not have coin counters. However, all of our branches do accept rolled coins. Limited quantities of coin wrappers are available at our branches upon request.
No, CTFCU does not exchange foreign cash items for U.S. currency, nor do we provide credit for foreign currency.
While CTFCU does not offer money market accounts, we do offer a High Yield Savings Account with tiered interest rates that grow with your account.
Steps to Request Account Deletion
Contact us to request that you would like to delete your online banking account by any of the methods listed below:
- Email us at [email protected]
- Call our Member Support team at 800-622-5305
- Chat with us via our website https://www.ctelco.org
Data Deletion from the App
When you request the deletion of your account, the following data will be deleted:
- Personal information: all personally identifiable information such as your name, email address, and phone number
- Transaction history: all records of your financial transactions within the app
- App Usage Data: any data related to your interactions and usage of the CTFCU app.
Please note: once an account is deleted, members will no longer have access to the account via online banking and access to statements would be removed. They would have to contact the credit union directly to be sent a statement upon request.
My Account
Yes, a joint account owner must be 18+ years old and meet our membership eligibility requirements.
For details and assistance adding a joint owner, visit your local CTFCU branch or call 1-800-622-5305.
You can change your address and other contact information on the "Settings" page of our Online Banking portal.
You can also visit your local CTFCU branch or call 1-800-622-5305.
Sign in to our Online Banking portal and click on the "Stop Payment" page under the "Self Service" menu. From here, you can request a new stop payment. There is a $30 processing fee which is collected from your account at the time of processing.
You can also call 1-800-622-5305 for assistance during business hours.
You can order checks through our Online Banking portal on the "Check Reorder" page under the "Self Service" menu.
Current members can also order checks by visiting your local CTFCU branch, or by emailing [email protected]. Members also have the option to order checks online through Delux (for a higher fee).
We provide a number of loan options to assist our members who have experienced credit challenges or are looking to build new credit. Our Low Rate Visa card and Lend a Hand loan are products designed to help get your credit and finances on track.
Stop by your local CTFCU branch to speak with a Loan Officer about your individual situation and learn about available options.
Online & Mobile Banking
Yes, our Mobile Banking app, "CTFCU Mobile", is available for download through the Google Play store and Apple App store.
Yes, there are two methods for making a CTFCU loan payment online:
- Transfer the payment from your CTFCU account through our Online Banking portal. Visit the "Schedule a Transfer or Loan Payment" page under the "Transfer & Pay" menu.
- For loan payments originating from non-CTFCU accounts, debit or credit cards, make an online loan payment here. (service fees apply)
We are compatible with the two latest versions of Quicken for both Windows and Mac.
For complete instructions for incoming wires into a CTFCU account, call 1-800-622-5305 or visit your local CTFCU branch.
- Special accounts, such as Estate and Trusts, will not have a unique login. Users attempting to register using an EIN, ATIN, or ITIN will see the following error message “Business memberships cannot register for personal online banking.”
- Executor(s) can view Estate Account shares within their personal online banking profile if they also have a primary membership.
- For Trust Accounts, the primary trustee(s) will view Trust Account shares within their personal online banking profile.
- Executors and Trustees will not have access to Estate or Trust account Bill Pay history or payees upon registration. CTFCU will keep a copy of their payees and scheduled payments.
Members will see all joint, trustee, or executor relationships in their main online banking dashboard. To hide these accounts, click your name in the upper right corner, select “Settings,” “Accounts,” and click on the “pencil icon” at the right of the account you want to manage. Then, check the “Hide This Account” checkbox and click Save.
Starter check images are unavailable at this time. All members should be able to view regular check images once the check has cleared the amount.
Our new platform supports ONLY the following browsers: Microsoft Edge, Mozilla Firefox, Google Chrome, and Safari. Also, the system requires these minimum settings: 128-bit encryption, cookies supported, and JavaScript enabled.
Many third-party apps maintain a list of approved URLs for each of their customers' financial institutions. The direct URL to our online banking platform has changed and is now https://my.ctelco.org/. In many cases, these companies use a less secure method called “screen scraping” technology to gather and aggregate your data from our system. Periodically, we make security enhancements to our online banking system to protect our members’ information. These updates can affect the ability of these providers to collect your data. The third-party app must also keep its security settings up to date to continually retrieve your account data with us. CTFCU does not monitor nor guarantee the connection of third-party apps to our online banking. We suggest that affected members reach out directly to their app’s customer support with any issues.
Remember: Our members can now establish budgets, see their external account balances, and transfer funds, all from within CTFCU’s new online banking platform.
To Setup ACH External Account Transfer to another financial institution please follow these procedures:
- Login to your online banking account
- Click on the "Transfer & Pay" tab
- Click on "Transfer & Loan Payments"
- Click on the "More Actions" tab
- Click "Add Account"
Debit Cards & Credit Cards
Your card is valid until the last day of the expiration month. A new card will be re-issued automatically before the expiration date and will be sent to the address you have on file.
If your CTFCU debit or credit card was stolen, call 1-800-622-5305 for assistance during business hours. Outside business hours, please call VISA Support at 1-833-224-5781.
Yes and No.
A CTFCU loan payment cannot be processed directly from your credit card as a purchase. However, you can use a debit or credit card from another financial institution to make a loan payment by visiting our Make a Loan Payment page. (service fees apply)
Current CTFCU credit card holders can make a loan payment by using a credit card convenience check (interest rates and service fees may apply). CTFCU credit card holders can also use a cash advance to make a loan payment. Any amount disbursed as a cash advance will not offer the opportunity to earn Cash Back rewards.
Yes, we provide temporary debit cards for members to access their funds while they wait for their permanent card. Members will need to visit a CTFCU branch as temporary cards cannot be mailed.
Sign in to our Online Banking portal and click the "Card Control" page under the "Self Service" menu. Select the card you will be using during your travels and click "Manage Card." Here, you can add a new Travel Notice to your account.
Learn how to set up travel notifications here.
You can also notify us by stopping at your local CTFCU branch or call 1-800-622-5305.
Mobile Wallet
Carolinas Telco FCU mobile wallet is available on most Apple™, Samsung™, Google®, Garmin®, and Fitbit® devices.
All Carolinas Telco FCU credit, and debit cards are eligible for mobile wallet.
Yes, you can add your card to multiple eligible devices.
You can add as many cards to your mobile wallet as you want.
Yes! After adding your Carolinas Telco FCU Card to your mobile wallet, you can continue using your plastic card as usual.
Your mobile wallet purchases will be visible in Online Banking, similar to your physical CTFCU Credit or Debit card transactions.
Yes. Click edit and delete.
Yes. There are multiple layers of security for digital wallet transactions. Digital wallets use one of the most secure payment methods available: tokenization. Tokenization replaces sensitive data with unique identification symbols that retain all the essential information about the data without compromising its security.
Any general questions can be emailed to [email protected]
For any questions regarding your individual account information, visit your local CTFCU branch or call 1-800-622-5305