Security Promise

Our Credit Union will never ask for any personal credit card or financial information via email. We do not share our internal email lists with anyone, and have security in place to ensure that our internal databases are not being accessed.

Routing Number

Service 1 Federal Credit Union's routing number is: 272483264

Tip of the Month

Check 21

FAQ

Consumer Awareness Disclosure

What is the Check 21 Act?

Effective October 28, 2004, The Check Clearing for the 21st Century Act (Check 21 Act) made a legal change to what constitutes a check (including share drafts). The Check 21 Act states that a paper reproduction of an original check (in a certain format, with appropriate disclosures and warranties) is the legal equivalent of the original check. The paper reproduction is called a “substitute check” (also known as an Image Replacement Document or IRD).

What does a substitute check look like?

A substituted check is a paper reproduction of an original check (share draft). An example of a substitute check (front and back) is as follows:

After the effective date, will checks clear faster than they do today?

The Check 21 Act provisions are expected to speed up the time it takes for financial institutions to process checks. Over time, checks should clear faster.

Can I refuse to accept substitute checks?

No. The Check 21 Act requires everyone to accept a properly prepared substitute check as if it were the original check. This includes a retailer or service provider accepting a copy of a substitute check as proof of payment.