Member Services

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FREE Member Services

  • Stop Payment (Share Draft/ACH/Debit Card/Online)

  • Credit Union Check Replacement

  • Copies of checks

  • Account Research/Reconciliation

  • Statement Copies

  • Account History and Copies

  • Bank to Bank Wire Incoming

  • Domestic Wires (Incoming)

  • International Wires (Incoming)

  • VISA PIN Reminder

  • CU Checks

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

Send to: Alloya Corporate Federal Credit Union

1021 Watervilet-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

Trusted Contact Program

The Trusted Contact Program allows you to designate a Trusted Contact Person that you authorize St. Lawrence Federal Credit Union to reach out to in specific situations where there may be concerns about your well-being or financial safety. A Trusted Contact Person is someone you designate that St. Lawrence Federal Credit Union may contact if the credit union is concerned you’re experiencing fraud, a health crisis, or another emergency that has an affect on your financial affairs. Choose someone you trust, who is reliable, and has your best interest at heart. You may consider having multiple trust contacts, in case the first person is unavailable.

How to add a trusted contact

  • Visit your local credit union branch.

  • Fill out a Trusted Contact Authorization Form.

  • You can update or change your trusted contact any time.

what information will my trusted contact be provided?

If we have concerns about your well-being or financial safety, the credit union may contact the primary Trusted Contact Person. If, for some reason, we suspect the Trusted Contact Person is involved, they will not be contacted. Your Trusted Contact Person CANNOT view your account, make transactions or decisions about the account unless they have legal authority.

Contact made between St. Lawrence federal credit union and trusted contact person

We may contact your Trusted Contact Person to:

  • Confirm your health status if there’s concern about your behavior.

  • Verify your whereabouts or contact details.

  • Help the credit union reach you in urgent situations.

  • Confirm identity or a new individual or entity that has been given legal authority to act for you.

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

Financial Calculators

Mobile Wallets

The Pays are here! Apple Pay,® Google Pay® and Samsung Pay® are mobile wallet apps that allow you to pay using your mobile phone.