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CU*TALK Telephone Banking

Access your account anytime, day or night, using this convenient and easy-to-use system. The system will guide you through each step of the way.


Getting Started

  • Dial toll-free (866) 398-1930
  • Choose your language: press "1" for English, select "2" for Spanish
  • Enter your Service 1 FCU account number, then press the “#” sign
  • Enter your PIN number, then press the “#” sign

(Your PIN Number was initially assigned as the last 4 digits of your Social Security Number, but we encourage you to change it frequently. If you forget your PIN number, please call Service 1 FCU).

CU*TALK Main Menu

1 — Account inquiries, including balances and history

2 — Perform financial transactions, including transfers

3 — Hear current CU rates or calculate estimated loan payments

4 — Change your PIN

5 — Change to a different member number

6 — Other CU services, including locations and hours

8 — Repeat this menu

9 — End the call

0 — Hear the tutorial

(press * when done with the tutorial to hear the menu again)

Account Suffixes

Each of your accounts (shares, checking, loans) has been assigned an account suffix number:





001 or 002


011 or 012

Special Savings


Christmas Club


Vacation Club

860 or 870

Visa® Credit

700 – 713



Gift Cards*

Make gift-giving easy. Drop by Service 1 FCU to pick up a Visa® gift card for a graduation, wedding, birthday, baby shower, Christmas, employee appreciation — whatever!


Where can Visa gift cards be used?

Visa gift cards, unlike merchant-specific cards, can be used to make purchases anywhere Visa debit cards are accepted. You can use a gift card at thousands of retail, restaurant, and entertainment locations throughout the U.S., as well as online.

Are Visa gift cards the same as credit cards?

No. Gift cards are prepaid Visa cards that carry a fixed cash amount determined by the purchaser. Each time you use the card, the purchase amount is deducted from the available balance.

Can gift cards be reloaded?

Individual cards cannot be “reloaded,” but you always have the option to purchase additional cards for yourself or for someone special in your life. 

Can a merchant give cash back on a Visa gift card?

Merchants can deduct purchases from gift card accounts, but they cannot offer cash back as part of the gift card service.

Do gift cards have expiration dates?

Yes, Visa gift cards expire when the remaining balance reaches $0.00 or on the expiration date shown on the front of the card. A nominal monthly service fee of $5.00 is waived for the first twelve months, and then is deducted from the card balances the first of the month (at the beginning in month thirteen) until the balance is $0.00 or the card expires. 

Find out more about Visa gift cards or purchase one online*.

*Visa gift cards are available to current members only. Additional charges may apply. Additional fees apply for purchasing Visa gift cards online.

Mastercard® SecureCode™

Get peace of mind when shopping in stores and online. Simply set up a private Mastercard SecureCode for your Service 1 FCU debit card to enhance your security. Get started now online.

Wire Transfers

Move money across town, the state, or even the country with ease. We offer domestic wire transfer capabilities to our members. Contact us for details.

Direct Deposit

Build your balance — automatically. Have all or part of your check deposited to your account balance every month. Speak to a helpful representative to add this convenience today. 

Teller Services

Take advantage of these services that make your life easier: 

  • Cashiers checks
  • Coin machine*
  • Money orders 

Can’t find what you’re looking for? Give us a shout or drop by a location for assistance.


*Select branches only. Coin machine service is available to at our Lakes Mall branch (MI) for a nominal convenience fee and is subject to machine capacity. Follow us on Facebook and Twitter for quarterly member savings events featuring waived convenience fees!

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