Branch Banking Services

Check Cashing

• Access to your full check amount immediately; no waiting for the check to clear
• Membership not required; no checking account needed
• Checks cashed include: personal, payroll, handwritten, out-of-state, large dollar, government, insurance, attorney, and two-party
• Avoid higher fees charged by check cashing facilities; we charge a fee of 1.5% (or $1.00, whichever is greater) of check amount for government and payroll checks and 2.15% (or $1.00, whichever is greater) of check amount for all other check types
• Must be 18 or older and have a valid ID and Social Security Number or ITIN
• Check cashing services are only offered in branch, not via drive-up windows

Branch Bill Pay

• Over 15,000 payees available
• Pay everything from cell bills, other utilities, gym memberships, and more
• Members and non-members wishing to use Branch Bill Pay must have a valid ID and a Social Security Number or ITIN
• Non-members must pay their bills in cash
• The fee for a standard payment is $1.50. You can also make a next day payment for $2.50 or same day payment for $4.50

Coin Machines

• No charge to use our coin machines
• Money is deposited directly to your savings, checking, or tiered money market account

Instant Issue of Visa® Debit Card & PIN Resets

• Get a card in minutes
• Helpful when you need to replace a lost or stolen card quickly
• Staff can quickly reset your PIN if needed

Visa® CUMONEY® Everyday Spend Prepaid Cards

• Prepaid reloadable cards available for members 13 and older
• Use anywhere Visa cards are accepted
• Order your card in any of our branches; you'll receive your card in the mail within 7-10 business days
• Register your card once it arrives in the mail, which you can do at CUMONEY.com or by calling 833.729.2853.
• To add funds to your card, download the CUMONEY® app, call us at 845.463.3011, stop by any branch, or visit any Visa ReadyLink location. You can also check your balance at CUMONEY.com or via the CUMONEY® app
• Arrange to have your paycheck or government benefits deposited directly onto your card, up to a maximum of $5,000
• Withdraw funds from your card at surcharge-free ATMs; locate ATMs at CUMONEY.com
• Continuous fraud monitoring, and lost/stolen card replacement
• View our Terms and Conditions for more information

Official Checks (bank or cashier’s check)

• Often used for making large purchases, such as a home or vehicle.
• Funds for the check are guaranteed; you may request a check for any amount up to your available account balance.
• Free to members who have a checking account and Visa Debit Card and
• $7.00 fee to members without a checking account and Visa Debit Card

Money Orders

• Available for any amount up to $1,000
• Valid for three years from date of purchase
• $4.00 fee per money order; our PaySmart account offers money orders at a discounted rate

Western Union Quick Cash

• Helpful when you need to get funds to an individual quickly
• Transfer an amount up to $10,000 to any Western Union office in the country ($450 in Arizona)
• Delivery of the funds is guaranteed within two hours from the time of request
• Requests made before 4:00 pm ET are processed for same day outgoing transfer
• Fees are dependent upon the destination of your transfer, with international transfers having a higher fee than domestic transfers

US Savings Bonds

Notary Service

• Staff serve as witness to you signing documents
• Service provided free of charge to members

Additional Branch Services

• Stop payment requests
• Check protests
• ATM card replacement
• Wire transfers 
• Statement copies
• Copies of cleared checks

Refer to our fee schedule or pricing information.