Frequent Questions

Banner Federal Credit Union’s ABA/Routing Transit number is 3221-7288-1.

If you have an account at Banner Federal Credit Union, we can make deposits to accounts or transfers to loans from existing accounts with us. We are now accepting VISA, MasterCard, and Discover by phone or by web at https://www.swbc.com/payments/banner to make loan payments for your convenience. A $10.00 charge applies by phone, and a $5.50 charge applies by web. In order to make deposits to your account from another financial institution, you can log into Virtual Branch and do so using the Account to Account transfer feature. A $1.00 charge applies per incoming transfer, and a $2.00 charge applies per outgoing transfer. If you visit one of our offices, we can use your credit or debit card for a cash advance to make payments or deposits with proper identification for free*.
* Cash advance fees may apply. Please check with your credit card company for details.

The AD&D Insurance is an optional Accidental Death and Dismemberment Insurance you have requested through one of our preferred insurance vendors. To find out more about your policy or to make changes to this deduction, please call (800) 252-2148.

In order to start or change the amount your employer sends the credit union, you must contact your payroll or human resources department and provide them your routing number and credit union account number. If you are a Banner Health employee, you can do this online through the EMSS System https://emss.bannerhealth.com/lawson/portal/index.htm. The credit union can only change the way your payroll is disbursed once it comes into your account, and you may do so by contacting any one of our offices by phone or in person.

No. This type of loan can only be done in person at any of our offices. No appointment is required.

For security purposes, none of Banner Federal’s employees have access to PIN numbers. You can call 1-800-567-3451 to select a new PIN for Debit Cards only. A $3.00 fee applies for all PIN changes.

To view your accounts online, from our homepage, click “Sign up for Virtual Branch,” and follow the prompts.

Banner Federal is a participant in the Shared Branching Network, which allows you to request a withdrawal or make a payment at any of the participating Shared Branching credit unions throughout the country. Many Shared Branching facilities are open later in the evening or on Saturdays. To find a Shared Branching participating credit union follow this link: http://38.101.64.106/

You can do credit union to credit union transfers within the Shared Branch network by calling 1-866-MYCUNOW (866-692-8669).

There are several different reasons why your card may not be working. Some of the most common reasons are inadequate available funds in your account, past due loan accounts, using your card while traveling out of your home state or country, or accounts below the required minimum balance. If you are having trouble with your ATM/ Visa Debit card, please contact our Card Services Department at (602) 254-5291 option 0, then 2 during our normal business hours.

ATM machines vary in the amount they will dispense, but you can get up to $1,000.00 per day. Saturday and Sunday are considered one business day.

Using this form (insert change of address form) you can change your personal account information by fax, mail, in person, or you can log onto Virtual Branch and click the “gear” icon in the upper right hand corner, then select “Personal Information”.

You can do this by calling the credit union and ask to place a temporary stop payment over the phone, but you will also have to go into the branch within 14 days to sign for a permanent stop payment order. A $35.00 per item charge applies to all stop payment requests.

• For paper checks- the item must not have paid yet.
• For electronic transfers/ACH- we need 3 business days to stop the payment before the payment is due to come out & it must have paid from your account previously.
• For debit cards-must be a reoccurring transaction and not pending.

You can call any credit union office and they can assist you, or you may choose “Forgot password?” on the home page. It can take up to 30 minutes to receive your password reset my email. If you have trouble receiving it, check your junk/spam folder on your email. It will be sent to the email address we have on file.

Your Account Balance states the amount in your account. Your Available Balance shows what is available to you due to transactions that maybe pending but not posted, check holds, or other holds placed on your account.

For any transactions you use your PIN number for, you have a $3,000.00 limit per day, per card. For any transactions you use your signature for, you have a $3,000.00 limit per day, per account on our Regular Checking Accounts. For Teen Checking Accounts, the ATM and signature limits are both $1,000.00 per day. Saturday and Sunday considered one day.

On each card, there is an activation sticker with a toll-free number. That number is 1-800-567-3451. You must call from your home or cell phone number we have on file. Follow the prompts on the recording. If you have trouble activating your card please contact our Card Services Department at (602) 254-5291 press 0 then press 2 during our normal business hours.

If you would like to close your account you may go to your local branch and request to close it, or you will need to print and fill out the closed account form, located here(insert close account form), and fax it to 602-256-0089.