Products & Services

E-SERVICES

Online Banking
Our home banking allows members to check their balances, review their history, transfer funds between accounts, view their statements, enroll for bill payment, apply for a loan and more. To Log-in to Online Banking click here.
Web Bill Payment
Web Bill Payment lets you pay your bills online through Her Majesty’s Credit Union. You can pay virtually anyone in the United States that you would normally pay by check or automatic debit, even if you do not receive bills from the company or person you want to pay.
Audio Response (The Royal Teller)
This is the Credit Union's 24/ 7 telephone system that allows our members to call in to inquire on their balances, history, checks paid, tax information, and our current interest rates. Members may also transfer funds between their accounts. Please call to enroll.
Royal Access Card (ATM)
You can use your Royal Access Card to withdraw funds from either your savings or your checking account. You can also make balance inquiries and make transfers between your accounts. Your Royal Access Card allows you to make deposits at certain ATM Machines.  Call the credit union for more information.
CheckCard (Debit)
Your CheckCard has all the capabilities of an ATM Card and more. It allows you to make purchases at merchants that accept Visa. You must have a Share Checking to have a CheckCard as purchases are debited from this account.
Check Re-order
If you purchased your Credit Union checks through Liberty Check Printers, you can re-order your checks online. You can verify the check printer by looking at the fine print on your checks. Liberty's name would be printed on the bottom right corner of your checks. To re-order your checks with Liberty click here.
Direct Deposit
Automated Clearing House (ACH) is the most efficient process to make deposits and payments, especially those that reoccur each month. It's simple, safe and once its set-up, no more running to the bank to make your deposit or to the post office to make your payment. Just remember to check your monthly statements to ensure all transactions are accounted for.

OTHER SERVICES

Deposits and Check Cashing
If you have your checking account at the Credit Union, you may make deposits to your account at any credit union that participates in shared branching.  You must use your own deposit ticket to ensure proper credit.  To locate a participating credit union, please go to www.cuswirl.com .
Guaranteed Auto Protection (GAP) Waiver
Should your auto be stolen or totaled, the insurance settlement can be less than the outstanding balance of your auto loan which you would still be responsible for. The GAP Waiver is designed to cover the remaining balance of your loan that the insurance settlement does not cover.
Accidental Death & Dismemberment (AD&D) Insurance
The Credit Union provides a $2,000.00 AD&D Insurance to you at no cost. To participate, you must complete an enrollment form. Additional coverage’s up to $250,000.00 are available. Please call the credit union for a brochure and enrollment form to sign up or to increase coverage.
Credit Disability Insurance (CDI)
If you make your loan at the Credit Union, you may be eligible to take this Payment Protection insurance. It is designed to pay your loan payments (up to the contract limit) if you become ill or disabled and are unable to work. Call or come in to speak to a loan officer for more details and a brochure.
Credit Life Insurance (CLI)
If you make your loan at the credit union, you may be eligible to take this Payment Protection insurance. It is designed to payoff the insured balance (up to the contract limit) on your loan if you become deceased. Call or come in to speak to a loan officer for more details and a brochure.
Money Orders
Members can purchase Money Orders to pay bills or to send a payment to those places that do not accept cash or personal checks. There is a nominal charge for Money Orders.
Notary Public Service
The credit union offers free notary service to our members. For non-members there is a nominal charge.
Overdraft Privilege Program (OPP)
Occasionally you may find yourself a little short or have miscalculated your checking account balance. In instances like these, OPP may be helpful. Members in good standing are allowed to overdraw their account up to a specified limit with an overdraft fee. It's cheaper than being charged a return check fee from the merchant AND the credit union while still ensuring that your check will be paid. It also saves you the embarrassment of a return check. Additionally, in most cases it's less costly than late fees if you utilize the program to pay for outstanding bills. Call us for more details.
Overdraft Protection
The credit union offers 2 types of Overdraft Protection on your Share Checking. The first type is a transfer from your Share Savings. The second is a transfer from a Line-of-Credit. Funds will transfer automatically from either source if an item is presented for payment and there are not sufficient funds in your Share Checking Account. There is no charge for the transfer. Please call for more details and enrollment.
Wire Transfer
Need to send funds in a hurry elsewhere? The credit union can wire funds to other institutions throughout the world. For domestic wires, if we receive your request by 4:00 p.m.., the funds will be sent out and in most cases credited to your account the same day. International wires may take a day or two longer.