Frequently Asked Questions

We know that right now, you might have more questions than answers. We understand that times of uncertainty can cause feelings of uneasiness. We’ve answered some frequently asked questions to help provide some clarity. 

Are CCF branches staying open?

Yes. Credit Unions are considered essential service providers and will remain open under the recently enacted Stay-At-Home executive order issued by Governor Whitmer.

Currently, our Center Line, Royal Oak and Perrysburg, OH lobbies have re-opened with temporary hours and will be open Monday through Friday from 10 a.m. to 4 p.m.

All other CCF branches continue to operate by appointment only for critical services that cannot be completed electronically or through the Drive-Thru.

To speak with a representative to determine whether your need requires an appointment, please call us at 800-777-6728 from 8:00 a.m. to 6:00 p.m. Our Drive-Thru will remain open for all your cash transaction needs, as well as debit and credit card issuance related requests and more.

Please click the button below for the most up-to-date branch hours and service options.



When will CCF re-open member lobbies?

As a community partner, we want to do our part to take care of our members. We plan to follow CDC guidelines and best practices as further information is available to us. 

At this time, our Center Line, Royal Oak and Perrysburg, OH lobbies have been re-opened with temporary hours and will be open Monday through Friday from 10 a.m. to 4 p.m. To ensure the safety of our members and our staff, we will be following the recommended social distancing guidelines set by the CDC, including:

  • If medically possible, we ask all members to please wear a mask when entering the building. You may be asked to temporarily move the mask off your face so we can properly identify you. 
  • All individuals must maintain a 6 foot distance from one another.
  • Only nine (9) people will be allowed in the branch at one time. 
  • If you are not feeling well or are showing symptoms of the COVID-19 virus, we ask that you please do not enter the branch. 

I have a large coin deposit to make. Can I access the coin machine at my local branch?

To prevent the spread of COVID-19, our coin machines are temporarily out of service at this time.

Are your Notary services still available?

Yes. The CCF team has adapted our procedures so we can now also provide remote notary services. We can schedule an online meeting to review, sign and seal your documents. In order to do this, you will need access to a computer to join an online video/audio session, and have the ability to fax or email your documents. 

To set up a remote notary service appointment, please contact us at 800-777-6728.

*Please do not send your documents to us until you've had the opportunity to speak with a CCF Representative. 

Can I still send a wire transfer?

Yes. Members are able to do wire transfers over the phone by calling us at 800-777-6728

Visit our wire transfer page for more information.

Can I still open an account?

Absolutely. Connect with us and we can assist you with any account questions you may have.

How do I enroll in online banking?

If you haven't enrolled in Online Banking, it takes just a minute and you can enroll now(Opens in a new Window). For questions about your account, you may also contact our eBranch at 800-777-6728 during normal business hours.

Will my online bill payment be posted as scheduled?

Yes. All online bill payments will be processed like normal.


I’m financially impacted by the Coronavirus and afraid I may not be able to make my next loan payment(s). What should I do?

Rest assured, we’re in this together and we’re here for you. As your world changes, we will be here to provide the financial assistance you need. For starters, we’ve opened eligibility requirements on our Skip-A-Payment program, which allows members with eligible loans to skip a monthly loan payment so they can keep up with other financial responsibilities. You can enroll in our Skip-A-Pay program online or by giving us a call at 800-777-67528.

Will my online bill payment be posted as scheduled?

Yes. All online bill payments will be processed like normal.

Do I still have access to my funds if they come in through direct deposit?

Yes. Your funds will be deposited as expected. You can access your funds via online banking, mobile banking, and via the CCF Mobile app. You can withdraw cash at ATMs and through drive-thru service at your local branch.


Is my money safe?

Yes! Your money is safe. Your deposits are insured through the National Credit Union Administration (NCUA), which means you can keep your money here with full confidence that it will always be here when you need it. CCF members have federally insured funds and should rest assured that their deposits are safe up to at least $250,000 per account, with additional coverage of up to $250,000 for certain retirement accounts. Not one penny of insured savings has ever been lost by a member of a federally insured credit union.

I need to withdraw cash. What are my options?

Rest assured, just because our branch lobbies are closed, does not mean you do not have access to your money. Your cash may be withdrawn via drive-thru lanes during our normal business hours and by ATM 24/7.  To find a surcharge-free ATM near you, click here.

How do I deposit cash?

You can make cash deposits via:

  • Drive-thru lanes during our normal business hours
  • CCF ATMs (Please note: the ATM located at the Royal Oak branch does not accept cash deposits)
  • At most of the 30,000 CO-OP network ATMs located across the country

How do I deposit a check?

You can make check deposits via drive-thru lanes during our normal business hours, and via the mobile deposit feature of our CCF mobile app. To learn more about mobile deposit, click here.

Can I still send a wire transfer?

Yes you can, please click here for instructions.


Who do I contact about card disputes and fraud?

Please call 800-777-6728 and speak with a member of our team to dispute any charges or report fraudulent activity.

How do I get a replacement debit or credit card?

Replacement debit and credit cards will be issued through the drive-thru at this time. You may also give us a call at 800-777-6728 and a CCF team member will work with you to get a replacement card sent directly to you if you are unable to leave your home.

Who do I contact about signing a loan that is in process?

If you are already working with a CCF team member, they will be able to walk you through the process of signing your documents electronically. This can be done from within online banking, mobile banking, or CCF Mobile app. You can also reach out to us at 800-777-6728

Can I still apply for a loan?

Yes, you can apply online by clicking here. Or by calling us at 800-777-6728.