800-688-7228 Routing #314088284
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Support Center Location & ATMs Login
800-688-7228 Routing #314088284
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Support center

Get help with your accounts, services and questions—online, by phone or in person.

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Loan payments Fraud & Security Digital banking Accounts and access Card services Payments and transfers General questions

Get support from a real person

Call our Member Service Center

800-688-7228

Mon–Fri: 7 AM to 7 PM CT
Sat: 9 AM to 12 PM
Sun: Closed

Start a live chat

Chat is available when a representative is available.

If you don’t see a chat button at the bottom of your screen, give us a call instead.

Visit a Financial Health Center

Our Financial Health Centers are designed to support your financial health and help you with your accounts and transactions in a one-on-one format.

Secure messages in digital banking

For transaction disputes, forms or payment arrangements contact us in digital banking using our secured forms feature.

Loan payment options

Credit Human makes it easy and convenient to pay your loans and get account support in a way that works for you. 

View loan payment options

Top support questions

Here are some of the most common questions our members ask. To view more support questions, scroll to the bottom of the page.

I am locked out of digital banking, what do I do?
Contact the Member Service Center to have your account unlocked.
How do I register for digital banking?
  1. Have an active Credit Human account
  2. You will need your last name, SSN, date of birth and account number
  3. register online 
How do I reset my password or username?
Use the Forgot your username or password link and follow prompts.
Does the mobile app support Face ID?
Yes, on compatible devices with the latest app version.

Prevent and respond to fraud

Fraudsters are getting more creative and sophisticated every day, so knowing what to do when you experience fraud, and how to reduce your risk in the future, is an essential life skill in today’s world.

Visit our security center for more information
woman-on-couch-with-notebook
Fraud and security

Protect your accounts and personal information

Caution is the key to fraud prevention, identity protection, reporting fraud and account security. We work with you to help safeguard your information and respond quickly to suspicious activity. Visit our security center for more tips.

Report suspicious activity
What should I do if my card is lost or stolen?

Call hotlines 24/7 (Debit cards: 800-472-3272; Credit cards: 844-286-5775 US / 206-389-5200 intl).

You can also lock/unlock via Card Controls in digital banking.

What should I do before disputing an authorized charge?
  1. Verify posting
  2. Check with other account holders
  3. Review merchant terms/fees
  4. Cancel recurring services with the merchant
How do I submit a dispute if billing error can't be resolved?

Follow instructions on the Security Center page to submit a dispute.

What happens after I submit a dispute or fraud claim?

Credit Human will review your claim to determine necessary action.

What should I include with my dispute?
Include required documentation plus any receipts, correspondence, cancellation/return docs, invoices, etc.
Can I report fraud or dispute transactions after 60 days?

Claims can be submitted anytime; team will review eligibility for reimbursement.

How does Credit Human handle card fraud?

Transactions are monitored. Some regions/merchant categories may be blocked.  We may request verification via text/email, but we will never request personal info.

Accounts and access

Stay connected to your accounts

Find answers about accounts, their features and how to open or apply for them. We’re here to help you stay connected to your accounts and manage your financial life with confidence.

Debit and credit cards

Manage your debit and credit cards with confidence

Get information about debit card services, credit card support, activation, replacements and card management. We’re committed to helping you use your cards securely and confidently every day.

Digital banking

Digital banking tools that work for you

Find answers about accessing and using digital banking, including security features like account alerts and other digital banking features. Our goal is to support your financial wellbeing with tools that keep you connected anywhere.

Payments and transfers

Move money with confidence

Explore how to send payments, transfer money between accounts and manage transactions. We help you handle bill pay, account transfers and everyday banking needs with clarity.

Fraud and security

Protect your accounts and personal information

Caution is the key to fraud prevention, identity protection, reporting fraud and account security. We work with you to help safeguard your information and respond quickly to suspicious activity. Visit our security center for more tips.

Report suspicious activity

Didn’t find what you were looking for?

We try to answer as many questions as possible, but every situation is unique. Browse more frequently asked questions about Credit Human and the services we offer below. If you need more help, our team is ready to provide the guidance you need. Call our Member Service Center at 800-688-7228.

Accounts and access

Stay connected to your account

Find answers about accounts, their features and how to open or apply for them. We’re here to help you stay connected to your accounts and manage your financial life with confidence.

How quickly must I cover an overdraft?
You should bring your account positive as soon as possible. If the account is still negative after 44 days, the account may be closed and reported.
What are my options for overdraft protection?

Multiple options available

Option Cost Covers
Overdraft Transfer from Shares

Transfer funds from your linked share account to cover overdrafts from your checking by linking your accounts.

You must opt in for service.

 Free Checks, ACH and Debit Card transactions
Uncollected Funds

Coverage applied with pending credits through check deposits or ACH.

You must opt in for service.

 $25 per item paid against Uncollected Funds Checks, ACH and Debit Card transactions
Line of Credit

A personal loan account linked to your checking account to cover overdrafts.

You must opt in for service.

 A low 3% monthly payment or a minimum payment of $10 (whichever is greater) Checks, ACH and Debit Card transactions
Courtesy Pay

For those without a linked share account or line of credit, Credit Human will provide up to $300 of protection against unexpected overdrafts.

You must opt in for service.

 $25 per item handling fee Checks, ACH and Debit Card transactions

To learn more about your options or to sign up visit any Credit Human location or call our Member Service Center at 1-800-688-7228.
How do I set up direct deposit?

Setting up direct deposit can be done through the person paying you.

Provide Credit Human's routing number (314088284) and your 14-digit account number (your Account MICR Number) to your payer.  They may require a form or voided check.  You can find your account number on a check or in digital banking by selecting your account and clicking on "Details"

How "early" is Early Pay?
Eligible direct deposits may post up to two days early depending on when the payer submits info. Early availability is not guaranteed.
What types of checks can I deposit?
Business, personal and government checks issued by U.S. financial institutions.
What accounts are not eligible for Courtesy Pay?
Courtesy Pay is not available on all accounts.  It is not available for:
  • Sensible Spend
  • savings accounts
  • public fund/charitable org accounts
  • certain trusts
  • deceased member accounts
  • minor/student accounts
  • etc.
How do I choose a checking account?
Credit Human offers Free Checking, Sensible Spend, and Dividend Checking accounts. Compare options on our checking page or call for guidance.
Is Early Pay only for paychecks?

Eligible deposits include:

  • payroll

  • tax refunds

  • government benefits

  • military pay

  • state unemployment

  • and pensions.

What is QMoney?
A short-term loan ($200-$500) with 28% APR, $20 application fee; eligibility based on membership tenure and deposits; limits apply.
How do I order new checks?
You can order checks by calling the Member Service Center 800-699-7228 or by calling Harland Clarke at 800-275-1053.
Will funds always arrive early with Early Pay?
No. Early availability can vary by deposit and payer timing. Fraud screening and limits may apply.
When I deposit checks, how long until funds are available?

Availability varies.

See our funds availability policy for more information.

What is the difference between my balance and available balance?
Your current balance is the total balance in your account before pending transactions and transactions with a hold placed on them are taken into account.  Your available balance is the amount of money in the account that can be used to make a transaction.  Items may be held against your balance for a number of reasons. Pending items like the ones listed below represent the difference between your current balance and your available balance. 

Collateral Hold
When a Secured Loan is opened, money is pledged in your account as collateral. The money will remain pledged and inaccessible until the loan is no longer open.

Freeze
Funds are often frozen as a means to collect on an outstanding item or as a garnishment or levy.

Card Hold
When using a debit card for purchases, merchants often place a hold on the funds until the transaction is fully processed through the credit union. In some cases, the hold may be for more than the actual purchase—that’s often the case with gasoline purchases. While these holds are removed once the matching transaction comes in, they can impact the available balance and limit the funds available. Using Credit Human's digital banking or Bank-by-Phone services allows immediate account access to ensure there are funds available prior to making a purchase.
 
See our funds availability policy for more details.
How do I apply for a loan with Credit Human?

Members: you can apply for many of our loans in digital banking.  See account pages for more details.

Non-members: use the appropriate online application. You will open membership during the process.

How do I apply for a loan if I'm not enrolled in digital banking
Members without digital banking access can apply using the non-member application. In this process you will open an additional Credit Human membership account, called a Share Savings Account, which requires a $5 minimum deposit.
What is Courtesy Pay?

Courtesy Pay is an overdraft option available on Free Checking and Dividend Checking accounts when other alternatives are exhausted.

Fees and terms apply. You may opt out of Courtesy Pay.

Do I need to sign up for Early Pay?
No sign-up is required. It applies automatically to eligible direct deposits.
How do I set up automatic transfers between my accounts?

You can set up recurring transfers in 3 ways:

  1. Call the Member Service Center at 800-688-7228

  2. Visit a location

  3. Set up recurring transfers in digital banking

Can I apply for a loan if I'm not a member of Credit Human?

Join Credit Human when you apply
You'll complete the online loan application and apply for Credit Human membership during the process. In addition to the loan you are applying for, you will be required to open a Share Savings account with a minimum deposit of $5. Once a member, you'll become a part of a powerful financial cooperative with access to products designed with you in mind.

Types of personal loans you can apply for:

  • Credit card
  • Personal loan
  • Line of Credit
  • Vehicle loan
  • Home loan
  • Manufactured home loan
How do I request a balance transfer to my Credit Human credit card?
Mail a completed balance transfer form or submit electronically via DocuSign PowerForm.
Can I apply for a credit card if I'm not a member of Credit Human?

Join Credit Human when you apply
You'll complete the online credit card application and apply for Credit Human membership during the process. In addition to the credit card you are applying for, you will be required to open a Share Savings account with a minimum deposit of $5. Once a member, you'll become a part of a powerful financial cooperative with access to products designed with you in mind.

Debit and credit cards

Manage your debit and credit cards with confidence

Get information about debit card services, credit card support, activation, replacements and card management. We’re committed to helping you use your cards securely and confidently every day.

What should I do if my card is lost or stolen?

Call hotlines 24/7 (Debit cards: 800-472-3272; Credit cards: 844-286-5775 US / 206-389-5200 intl).

You can also lock/unlock via Card Controls in digital banking.

Do Credit Human cards work with Apple Pay, Samsung Pay or Google Pay?
Yes, mobile wallets are supported
How do I change my debit card PIN?
Call 800-992-3808 from the phone number on file or visit any location.
How does Credit Human handle card fraud?
Transactions are monitored. Some regions/merchant categories may be blocked.  We may request verification via text/email, but we will never request personal info.
How do I request a balance transfer to my Credit Human credit card?
Mail a completed balance transfer form or submit electronically via DocuSign PowerForm.
Digital banking

Digital banking tools that work for you

Find answers about accessing and using digital banking, including security features like account alerts and other digital banking features. Our goal is to support your financial wellbeing with tools that keep you connected anywhere.

How should I endorse my mobile deposit?
Sign the back and write "Credit Human Mobile Deposit" (restrictive endorsement required).
What is the maximum amount I can deposit with the mobile app?

With mobile deposits, there may be limits associated with how much you can deposit at once.

These limits may differ from member to member depending on factors like:

  • Your account type

  • Your deposit history

  • How long your account has been open

Your mobile deposit limits can be found in the Credit Human mobile app

I am locked out of digital banking, what do I do?
Contact the Member Service Center to have your account unlocked.
What types of checks can I deposit?
Business, personal and government checks issued by U.S. financial institutions.
What happens if I forget the restrictive endorsement?
Deposit will be rejected; you'll receive an email notification.
What is Bill Center?
Bill center is a digital banking feature that allows you to pay bills from one place. You can schedule one-time or recurring payments from your Credit Human checking or money market account.
How do I register for digital banking?
  1. Have an active Credit Human account
  2. You will need your last name, SSN, date of birth and account number
  3. register online 
What happens when I lock my card in Card Control?
All transactions are denied (except recurring) until you unlock the card.
How do I get my tax forms online?
Enroll in online statements; forms are available under Documents and Statements when issued.
Why do I have to provide prior authorization for one-time debit card transactions to be covered by Courtesy Pay? How do I provide this authorization?

Federal regulation requires that we obtain your prior authorization to pay these items.

If you would like to provide authorization for us to pay these items, please visit any Credit Human location or call our Member Service Center at 800-688-7228.

When I deposit checks, how long until funds are available?

Availability varies.

See our funds availability policy for more information.

How do I reset my password or username?
Use the Forgot your username or password link and follow prompts.
How long do Bill Center payments take to arrive?
Estimated delivery is within seven business days; displayed when scheduling.
How do I apply for a loan with Credit Human?

Members: you can apply for many of our loans in digital banking.  See account pages for more details.

Non-members: use the appropriate online application. You will open membership during the process.

How do I pay my loan or credit card over the phone?

Pay by phone

Call our Member Service Center at 800-688-7228 during business hours to make a payment by phone.

Fees:

  • A $10 fee to make a one-time payment from another financial institution applies.
  • There is no fee for transfers from Credit Human accounts.
  • There is no fee for paying a credit card over the phone.
How do I apply for a loan if I'm not enrolled in digital banking
Members without digital banking access can apply using the non-member application. In this process you will open an additional Credit Human membership account, called a Share Savings Account, which requires a $5 minimum deposit.
How do I qualify for mobile deposit
If you're a member, you already have access to mobile deposit. This feature lets you deposit checks quickly and securely from your mobile device, giving you more flexibility in depositing your funds.
Where do I find my account number?
Locate your 14-digit checking account number in digital banking or on your checks; Member Service Center can assist.
How do I set up automatic transfers between my accounts?

You can set up recurring transfers in 3 ways:

  1. Call the Member Service Center at 800-688-7228

  2. Visit a location

  3. Set up recurring transfers in digital banking

Does the mobile app support Face ID?
Yes, on compatible devices with the latest app version.
What is Mobile Deposit?
Deposit one or multiple checks by taking photos in the mobile app.
How can I get an important form I need?
Call Member Service Center at 800-688-7228 for mailed/faxed forms; some forms (e.g., Credit Card Balance Transfer Request) available as PDFs.
Payments and transfers

Move money with confidence

Explore how to send payments, transfer money between accounts and manage transactions. We help you handle bill pay, account transfers and everyday banking needs with clarity.

How should I endorse my mobile deposit?
Sign the back and write "Credit Human Mobile Deposit" (restrictive endorsement required).
How do I make a payment on my home loan?

Home loan payments can be made in the following ways:

  • Online through digital banking
  • Recurring payments
  • By mail
  • Over the phone ($10 may apply)
  • In person at a Credit Human location or ITM

See more FAQs for details specific to your loan type.

How do I make a payment for my credit card?

Credit card payments can be made in the following ways:

  • Online through digital banking
  • Recurring payments set up through digital banking
  • By mail
  • Over the phone (no fee)
  • In person at a Credit Human location or ITM

Express payments can be made

See more FAQs for details specific to your loan type.
What happens if I forget the restrictive endorsement?
Deposit will be rejected; you'll receive an email notification.
How do I make a payment online if I need it to post today?

Express Online Payment

Make a payment using your debit card or routing number and account information 24 hours a day, 7 days a week. There is a $10 fee for this service. Payments are posted on the same day if submitted before 8 pm CST.

Visit the Express Payment portal. With an account, log in with your email and password. Without an account you can select the express pay button. Use your account information to make a payment.

What is Bill Center?
Bill center is a digital banking feature that allows you to pay bills from one place. You can schedule one-time or recurring payments from your Credit Human checking or money market account.
Do Credit Human cards work with Apple Pay, Samsung Pay or Google Pay?
Yes, mobile wallets are supported
How do I make a payment on my loan?

Loan payments can be made in the following ways:

  • Online through digital banking
  • Recurring payments
  • By mail
  • Over the phone ($10 may apply)
  • In person at a Credit Human location or ITM

Expedited payments can be made

See more FAQs for details specific to your loan type.

How long do Bill Center payments take to arrive?
Estimated delivery is within seven business days; displayed when scheduling.
How do I pay my loan or credit card over the phone?

Pay by phone

Call our Member Service Center at 800-688-7228 during business hours to make a payment by phone.

Fees:

  • A $10 fee to make a one-time payment from another financial institution applies.
  • There is no fee for transfers from Credit Human accounts.
  • There is no fee for paying a credit card over the phone.
Can I skip a loan payment?

Credit Human offers a range of solutions to help members during difficult times, particularly when you are faced with periods of reduced or lost income. 

Skip a payment
Skip a payment without incurring a fee using our Skip-A-Pay option in digital banking for unsecured personal loans (also called signature loans) and vehicle loans.

Request a loan extension

How do I set up automatic transfers between my accounts?

You can set up recurring transfers in 3 ways:

  1. Call the Member Service Center at 800-688-7228

  2. Visit a location

  3. Set up recurring transfers in digital banking

What is Mobile Deposit?
Deposit one or multiple checks by taking photos in the mobile app.

Didn’t find what you were looking for?

We try to answer as many questions as possible, but every situation is unique. Browse more frequently asked questions about Credit Human and the services we offer below. If you need more help, our team is ready to provide the guidance you need.  Call our Member Service Center at 800-688-7228.

How do I join Credit Human?
Ready to open an account? You can join online or visit any Credit Human location. Many accounts can be opened online. Se the account page for account specific options.
Do you offer safe deposit boxes?
Available at select Credit Human locations; see locations for availability.
Where are Credit Human locations and what are the hours?
Visit our locations page for ATMs, branches, shared branch options and hours (vary by location).
What types of checks can I deposit?
Business, personal and government checks issued by U.S. financial institutions.
Do you offer a bank by mail service?

Yes. Send deposits or payments to

Member Service Center/Mail Teller
PO Box 1356
San Antonio, TX 78295-1356.

Processed within 24 hours of receipt.

What holidays do you observe?
All locations closed on federal holidays listed on our holiday closures page. Locations close early on Christmas Eve.
What is the difference between my balance and available balance?
Your current balance is the total balance in your account before pending transactions and transactions with a hold placed on them are taken into account.  Your available balance is the amount of money in the account that can be used to make a transaction.  Items may be held against your balance for a number of reasons. Pending items like the ones listed below represent the difference between your current balance and your available balance. 

Collateral Hold
When a Secured Loan is opened, money is pledged in your account as collateral. The money will remain pledged and inaccessible until the loan is no longer open.

Freeze
Funds are often frozen as a means to collect on an outstanding item or as a garnishment or levy.

Card Hold
When using a debit card for purchases, merchants often place a hold on the funds until the transaction is fully processed through the credit union. In some cases, the hold may be for more than the actual purchase—that’s often the case with gasoline purchases. While these holds are removed once the matching transaction comes in, they can impact the available balance and limit the funds available. Using Credit Human's digital banking or Bank-by-Phone services allows immediate account access to ensure there are funds available prior to making a purchase.
 
See our funds availability policy for more details.
What's the phone number to bank by phone?
Automated bank by phone (English/Spanish): 1-800-678-7228.
What is Shared Branching?
CO-OP Shared Branching provides access at 5,000+ locations nationwide; some services and fees may vary by location. Visit the shared branching locator for more information.
How can I get an important form I need?
Call Member Service Center at 800-688-7228 for mailed/faxed forms; some forms (e.g., Credit Card Balance Transfer Request) available as PDFs.
What is the Credit Human routing number?
Credit Human's routing number is 314088284, typically referenced for direct deposits and ACH.
Next steps

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