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Frequently Asked Questions

How do I setup Online Bill Pay?

You must be signed up for Online Banking before you can sign up for Online Bill Pay.

1. Sign into Online Banking at www.primetrustcu.com using your user name and password. Instructions for signing up are listed to the left.

2. Once you are in the Online Banking site, click on Bill Pay under eServices in the left column or mouse over “Bill Pay” on the top bar and click on “Bill Pay”.

3. You will be asked to fill out four sections:
 Section 1: Review the pre-filled name and address information. Be sure an e-mail address is listed and correct
 Section 2: Type in your account number
 Section 3: Answer a series of challenge questions
 Section 4: Accept the Terms & Condition

4. Click “Submit”.

5. Follow the on-screen directions to add payment information.

If you have problems viewing the site, your pop-up blocker may be preventing the site from appearing. Following the directions to the right based on your Internet browser.

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Why is the credit union changing charters?

To make it easier to members to gain access to the credit union and the services we offer – no more requirements of a third party relationship Select Employee Group (SEG).

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How do new people, businesses, and other organizations now qualify under the charter change?

Requires only one condition to qualify – “Persons who live, work, worship or attend school in, and businesses and other legal entities located in Delaware County, Indiana”, may apply for membership.  The key condition to remember is the “relationship” with Delaware County – for example, you may live outside Delaware County, but work in Delaware County, you qualify.  Members do not need to show proof of eligibility.

Businesses and organizations qualify as before (legal address must be located inside Delaware County), but they no longer need to become an approved Select Employee Group (SEG).

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What is the impact on current members with the charter change?

Any person, business, or not-for-profit who is currently a member will remain a member (no change to any current member regardless of where they work, live, worship or go to school).  Current members will see no impact in terms of current membership structure resulting from this charter change.

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Are there other ways qualifications of the charter could be extended?

If someone is unable to qualify under the definition, they may still qualify as the result of a current member family relationship which would be as follows:….”Spouses of persons who died while within the field of membership; employees of PrimeTrust Financial; volunteers; members of their immediate families or households and organizations of such persons”, may qualify.  For example, an immediate family member of a current member could still join the credit union after the charter change effective date, regardless where they live in the U.S.

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What does this all (charter change) mean?

Virtually any person, business, and/or not-for-profit who have some type of relationship with Delaware County can now become a member.

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Can I apply for a loan online?

Yes. At the home page, look under "Personal" for the type of loan you want. A link will be provided. Applying is quick, easy, and free. You will receive a decision within 60 seconds.

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I applied for a loan online and it said someone would contact me. Does that mean I was denied?
Not necessarily. Perhaps the information you entered didn't match the information in the system, such as your current address, or you may have inadvertantly made a mistake while typing, such as your salary is $30,000 and you put in $3,000. Someone from PrimeTrust Financial will call you to clarify the information and give you a decision on your application. Back to top
How do I view my loan history online?
You can view this history by clicking on the “history icon”, and selecting loan history from the drop down box.  You can view your history from June 1, 2007 forward.

At this time, you are not able to view your Home Equity or Mortgage history. Back to top
Can I view my Mortgage or Home Equity Line of Credit histories online?
Home Equity Lines of Credit and Equity loans are viewable online, however first mortgages are not viewable. This information is housed on a different computer system.
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Can you put a stop payment on a debit card purchase?
No, a debit card purchase cannot have a stop payment place on a transaction. Debit card transaction are in "real time" Back to top
Can I reorder checks via e-mail?
No, not by e-mail, but you may order them through a Web site or by calling the PrimeTrust Financial Call Center at 765-289-2148. Back to top

What do I do if I lost my debit card or ATM card?

If you have lost or if you suspect your ATM or Visa Debit card was stolen, please call 877-943-5463 immediately.

If your Visa credit card is lost or stolen, please call 800-289-5939.

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How can I change my PIN (Personal Identification Number) to my PrimeTrust Financial ATM or debit card?

You may change your PIN at any branch Monday through Friday, or at the Bethel Branch on Saturday. The process is free, quick, and easy.

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What documents are needed for the Service Member’s Civil Relief Act?
If you or your spouse is being deployed, you need to bring a copy of the deployment papers, and we will need to have subsequent action forms signed. Back to top
Why don't all of my checks have images available?
If an item was processed as an “ACH” or electronic item you may not be able to get an image.  You may contact PrimeTrust Financial for official documention of an ACH payment. Back to top
Why didn’t my automatic payroll deduction come out as scheduled?
The likely cause is your employer changing the way your payroll is sent to PrimeTrust Financial.  Changing the name and/or payroll I.D. number can cause our PrimeTrust Financial system to be unable to recognize the payroll, and therefore not make the necessary deductions. Back to top
How do I set up Direct Deposit?
You need to give your employer the PrimeTrust Financial routing number and account number, and whether you want all of your money put in checking or savings. The routing number directs it to PrimeTrust Financial, the account number lets us know where you want the deposit.

To request the routing number, please contact PrimeTrust Financial at 765-289-2148. Back to top
Why was I charged Overdraft fees when I appeared to still have a positive balance?
The most likely cause is debit card holds.  Many times when you use your debit card the money isn’t taken out of the account that same moment, but rather is put on hold until it reaches the clear date decided on by the company where you swiped your card.  So it appears there is money in the account, but it is already ear marked by the system as being used. Back to top
Why do I get a message that says “We’re sorry, but your request cannot be performed at this time.  Please try again later.  Thank You!” when I try to access my account online?
You get this message because we need to issue you a user name and password. Back to top
Why are all my payments showing as checks when I set up my online bill pay? I know some of the businesses take electronic payments.
The first time you set up a payment it will go out as a check. If the company accepts electronic payments, the system will automatically convert it from check payments to electronic payments. Back to top
Will I be able to transfer funds between accounts that I am joint on?
Yes, you will be able to make transfers between accounts that you are joint on including share to share transfers, share to loan transfers, and loan to share transfers after a Member Service Representative sets the perimeters in the system for you. Back to top
What if I forget my username and/or password?
You may call a Member Service Representative at PrimeTrust Financial at (765) 289-2148 or (800) 459-5585 to obtain your username.  If you forget your password, we will assign you a temporary password and the system will prompt you to create a new unique password the first time you initialize the system.  PrimeTrust Financial will never have access to your unique password. Back to top
How do I login to Online Banking?

The first time you initialize the Online Banking, you will be prompted to create your own unique username and password. Your new username must begin with an alpha letter. Your password does not have to contain any alpha characters. You will then be asked to answer three security questions unique to only you.  You will then proceed through the LOGIN screen to the disclosures.  Once you accept the disclosures, you will then be directed to your account.

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Contact PrimeTrust Financial

Feel free to contact us with any questions or comments. Any sensitive or personal information should not be sent via email. Please contact our live 24-hour Call Center at 765-289-2148 or 1-800-459-5585.

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