SRP FCU Customer Service — A Practical, Expert Guide

As a financial-services professional with experience advising credit-union members, I’ll walk you through everything practical about SRP FCU customer service: how to contact them, your protection rights, how disputes and escalations work, what to check on fee and rate schedules, and how to use digital services securely. This guide focuses on actionable steps, timelines required by federal regulation, and where to find verified contact information so you can resolve issues quickly and confidently.

Note: credit-union contact details (phone numbers, branch hours, precise APYs) change frequently. Always confirm numbers and addresses on the credit union’s official materials (back of your debit/credit card, account statements) or via the NCUA credit-union locator at https://mapping.ncua.gov and the CFPB complaint portal at https://www.consumerfinance.gov/complaint/.

How to Contact SRP FCU and Verify You’re Reaching an Official Channel

Start with the documentation you already have: the member card, monthly statement, or official e-mails that include the credit union’s phone number and branch addresses. If you cannot find printed contact details, use the NCUA’s mapping tool or the credit union’s verified homepage. Never call numbers found in unsolicited e-mails or text messages; instead, type the URL or number you know to be official directly into your browser or phone.

When you reach a representative, get the agent’s name, ID badge number (if provided), and a case or reference number for any formal inquiry. For immediate card issues (lost/stolen card, fraud), ask to place an emergency card block and to issue a replacement; expect a replacement card shipment time of 3–7 business days in most cases and expedited options at additional cost when available.

Account Protections, Insurance and Dispute Timelines

Federal insurance: deposits at federally insured credit unions are protected by the NCUA up to $250,000 per depositor, per ownership category. This is a hard protection for deposits — check your share-insurance coverage for joint accounts and trust accounts to be certain of aggregate limits. For verification, use the NCUA’s website or request an official share insurance disclosure from SRP FCU.

Dispute timelines follow federal rules. For unauthorized electronic fund transfers (Regulation E): report unauthorized ATM or debit-card transfers promptly — liability caps are $50 if reported within two business days, up to $500 if reported after two but within 60 days, and unlimited after 60 days. The credit union generally must investigate EFT errors and either provisionally recredit your account within 10 business days (longer investigatory periods may apply, up to 45 days for complex cases) or provide a written explanation.

Fees, Rates and What to Ask Before You Commit

Credit unions publish fee schedules and Truth-in-Savings disclosures that list monthly maintenance fees, ATM fees, overdraft or nonsufficient-funds (NSF) fees, stop-payment charges, and minimum-balance requirements. Before opening an account, request the current fee schedule and the current APYs for savings, checking dividends, and any promotional CDs. If you already have an account, compare last month’s statement line items with the published fees and ask for clarification on any unexpected charges.

Common fee items to query explicitly: monthly service charges and the balance threshold to avoid them, ATM surcharge reimbursements or network participation, overdraft protection costs (transfer fees versus NSF fees), stop-payment fees (typical ranges are $20–$35 at many credit unions), and wire-transfer fees for incoming/outgoing wires. For loans, request the APR ranges, origination fees, daily-rate penalties, and whether rate discounts are available for automatic payments or membership tenure.

Online and Mobile Banking: Security and Practical Limits

Digital banking with SRP FCU should include a secure login, multi-factor authentication (MFA) and mobile-app features such as mobile deposit, bill pay, P2P transfers, and secure messaging. For mobile deposits, ask about single-deposit and daily limits, commonly set by credit unions (limits vary widely; some members see $2,000–$10,000 daily ceilings depending on relationship and history) and the cutoff time for same-day processing (often mid-to-late business-day local time).

If you detect suspicious activity online, immediately change your password, enable or update MFA, and call the credit union’s fraud line. Under Regulation E, you maintain rights for electronic fraud disputes, but you must report issues within the regulatory windows described above to preserve liability limits. Keep screenshots, transaction IDs, and secure-message threads as evidence for investigations.

Escalation Path: Step-by-Step (Use This Sequence)

• Frontline resolution: Call the customer-service number on your statement or card; get the representative’s name and case number. Ask for expected resolution timelines in writing via secure message or e-mail.
• Branch escalation: If phone support is unresolved, visit a local branch to speak with a branch manager. Bring ID and transaction documentation (see list below).
• Executive escalation: Request escalation to a member-services supervisor or the credit union’s grievance officer. Ask for written acknowledgment and a targeted response date (10–30 business days depending on the issue).
• Regulatory complaint: If unresolved, file a complaint with NCUA (https://mapping.ncua.gov or by phone) or submit a complaint to the CFPB at https://www.consumerfinance.gov/complaint/ with copies of your correspondence and reference numbers.

Keep a clear timeline and copies of all communications. Use certified mail or secure messaging in the credit union’s portal for important documents to have an evidentiary trail. Escalation works faster when you provide precise timestamps, transaction IDs, and a concise summary of desired remediation (refund, reversal, fee waiver, account correction).

Documents to Bring and Practical On-Branch Actions

• Primary government photo ID (driver’s license, passport), secondary ID if requested, and the last 60 days of account statements or transaction screenshots relevant to your dispute.
• Proof of address (utility bill) if updating contact information, Social Security number or Tax ID for account verification, and any written authorization forms if acting for another member.
• If opening accounts or applying for loans, bring income verification (recent pay stubs), employment details, and collateral documentation where applicable.

When at a branch, ask for printed copies of the account’s fee schedule and the privacy/disclosure notices. If you are disputing a transaction, request an incident or claim form and confirm the internal case number and the name of the person who will follow up.

What is the 24 hour customer service number for Servu credit union?

607-936-2493
24 Hour access to your account: Online: www.servucu.com. Telephone Teller: 607-936-2493 or toll free 888-733-2849.

What is the SRP Federal Credit Union?

SRP Federal Credit Union operates as a financial cooperative. The Union provides financial solutions such as loans, investment, savings, credit and debit cards, online banking, and other related services. SRP Federal Credit Union serves communities in the State of South Carolina.

What happens if you don’t pay SRP?

If SRP does not receive payment by the due date on the bill, a late payment fee may apply, and your service may be subject to disconnection.

How do I contact Via Credit Union 24 hour customer service?

765.674.6631
Stuck or just curious? Swing by our FAQs, or contact us at 765.674. 6631 or [email protected].

How do I call SRP bank customer service?

If they receive a call from someone who says they are from SRP, HANG UP and call SRP directly at (602) 236-8888 in English or (602) 236-1111 in Spanish, even if the caller ID says the number is from SRP.

Does NFCU have 24-7 customer service?

Connect with us 24/7 at 1-888-842-6328. Feel free to contact us by secure message, in person or by chat, social media or mail as well.