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Stop Payment (Share Draft/ACH/Debit Card/Online)
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Account Research/Reconciliation
Statement Copies
Account History and Copies
Bank to Bank Wire Incoming
Domestic Wires (Incoming)
International Wires (Incoming)
VISA PIN Reminder
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Direct Deposit
Save time by having your entire payroll or retirement check automatically deposited into your share or share draft every payday.
Payroll Deduction
You designate a specific amount from each paycheck to go into a specific St. Lawrence Federal Credit Union share. It’s a great way to add regularly to your share or share draft or make St. Lawrence Federal Credit Union loan payments.
Benefits
Both options save you extra trips to a branch to deposit your paycheck
Deposits are credited the same day for immediate access
Courtesy Pay
St. Lawrence Federal Credit Union’s Courtesy Pay is an overdraft protection program designed to provide an extra level of financial protection to qualified members. Through this program, St. Lawrence Federal Credit Union will pay (rather than return) non-sufficient fund (NSF) transactions on your sharedraft. This optional service can provide additional support when you need it most.
St. Lawrence Federal Credit Union Courtesy Pay Features:
Convenience — may allow your purchases to be approved when you have insufficient funds
A safety net — may cover reconciliation errors
Emergency backup — may cover unexpected expenses
May prevent potential credit score damage, merchant fees, collection reporting and NSF fees for returned checks.
There is no monthly fee for St. Lawrence Federal Courtesy Pay. However, you will be charged a $25 fee each time we pay an overdraft.
Overdraft Protection and Courtesy Pay Options
If you would like to select Extended Coverage for future transactions:
Visit any branch
Send a secure message by logging into Home Banking and clicking the Messages tab
For more information about Courtesy Pay, please call (315) 393-3530 or visit one of our friendly Universal Services Representatives at any branch.
Notary Service
We have staff members who are New York State licensed Notary Publics. This service is free to St. Lawrence Federal Credit Union members. Please contact one of our branches to determine availability at a particular branch.
Wire Transfers
Wire Transfer is a method of electronic funds transfer from one person or entity to another.
Features:
Transfer money between your share or share draft to third parties
Domestic Wire Transfers ($20 fee)
Available by completing a Wire Transfer Order - Domestic
Provide the beneficiary bank, routing number, beneficiary account number, complete beneficiary name, and address, as well as any special instructions that may aid proper credit
International Wire Transfers ($40 fee)
Available by completing a Wire Transfer Order - International
Provide International Beneficiary bank SWIFT code and address. Beneficiary account number (IBAN required on all European accounts), beneficiary’s complete name, address, and any special instructions that may aid proper credit
Important Security Information:
To protect members' assets, security measures have been instituted to ensure Wire Transfer requests are legitimate. These measures, which include member identification, may result in delays in processing wire transfers and other requests. We appreciate your understanding as we work to ensure our members' assets are protected and encourage members to monitor their accounts.
Instructions for Incoming Wire Transfers (no fee):
Send to:
Alloya Corporate Federal Credit Union
1021 Watervliet-Shaker Road
Albany, NY 12205
Routing # 221381715
Beneficiary information:
St. Lawrence Federal Credit Union
800 Commerce Park Drive
Ogdensburg, NY 13669
Account# 221378906
With final credit to:
Member Name
Member Account Number
Member Service Numbers
Debit Cards
Member Service: (315) 393-3530
Debit Card Activation/Update PIN: (800) 992-3808
Audio Banking: (315) 229-4557
Lost/Stolen Debit Card (After Hours): (800) 472-3272
Debit Card Fraud Reporting: (315) 393-3530
Credit cards
Member Service: (315) 393-3530
Member Service (After Hours): (800) 299-9842
Lost/Stolen Credit Card (After Hours): (800) 299-9842
Credit Card Fraud Reporting: (800) 600-5249