Frequently Asked Questions (FAQ)
Contact us to request an addition to the FAQ.
General
Unfortunately, we cannot answer member questions directly because our polls are anonymous and no return contact information is provided. This FAQ was created to address any questions you may have. If you cannot find your specific question, please contact us to request an addition to the FAQ.
Your email address is a method for us to verify your account information and contact you electronically. We will never market to you via email without your permission. Additionally, your email address is required for your recurring e-Statements notifications.
Address changes may be done at any of our branch locations or over the phone. Call us at 860.513.5000 or 1.800.526.6933 to get started.
There are several different ways to establish your membership with Nutmeg State Financial Credit Union. Click here to learn more about becoming a member. If you are already a member and have moved out of the state, you can continue to use your accounts.
General email inquiries can be sent to memberexperience@nutmegstatefcu.org. Please note that we are unable to answer specific account questions through this unsecured messaging service.
You can contact the credit union by calling 860.513.5000 or toll free at 1.800.526.6933. Our Call Center is available Monday - Friday 8:00 am - 6:00 pm and Saturday 9:00 am - 1:00 pm.
Yes. If you would like to schedule an appointment, please contact us today.
Yes. If you would like to schedule an appointment, please contact us today.
We do not have coin-counting machines. However, we will accept any rolled coins brought to our branch locations.
We frequently evaluate the need/possibility of expanding our branch network within Connecticut. We will continue to seek new opportunities for expansion in order to make it even more convenient for our members to bank with us.
Yes. E-Deposits may be completed from your mobile device. Learn more about the Nutmeg Mobile App.
Night drop deposits are processed each morning that the credit union is open. Please note that checks placed for deposit may not be available for immediate withdrawal.
Yes. Our mailing address is:
Nutmeg State Financial Credit Union
PO Box 66
Rocky Hill, CT 06067-0066
Mail is processed and credited to your account on the day we receive it from the post office. Please note that checks mailed for deposit may not be available for immediate withdrawal.
At this time, we do not participate in a Shared Banking program.
The minimum amount for a certificate is $1,000. This limit is set by our Board of Directors and does not change. We do offer periodic promotional terms for certificates which may have different minimum amount requirements.
ATMs
We only charge to replace lost cards. The fee to replace a lost card is $10. If your card is damaged or stolen, there is no charge.
Members can use any Nutmeg ATM without incurring any fees. We are also part of the SUM and CO-OP Networks. Learn more about locating ATMs near you.
Members are allowed a $500 daily limit on PIN-based transactions and a $2,500 daily limit on signature-based transactions.
Click here to view a list of Nutmeg-owned ATM locations. We are also part of the SUM and CO-OP Networks, which provide a network of fee-free ATMs. You can use any SUM or CO-OP designated ATM free of surcharges!
Yes, all Nutmeg ATMs accept deposits. Deposits must be for Nutmeg State Financial Credit Union accounts only. Deposits for other financial institutions will not be accepted.
e-Banking
Yes! When you look at the account summary screen in e-Banking, the available balance is a clickable link that will show you all items on hold or pending items (including check holds or debit holds).
By default, any account you have joint access to will automatically appear in your listing of accounts. If you would like to hide joint accounts from view, you can change your online banking settings to "Favorites" which only displays the accounts you wish to see. Choose the "edit" option at the bottom of the screen and select the specific accounts as your favorites.
If a joint account is not appearing properly in your listing of accounts, you must call the credit union to ensure you are properly linked as an accountholder. Before you contact us, please be sure you know the number and details of the account missing from your list.
We post notices on our website whenever we encounter system outages or require routine maintenance. However, if no notices are posted and you still can't log in to e-Banking, your account may have been locked. A common reason for this is too many incorrect login attempts, but if you are unsure please contact us for more information.
The User ID is optional. This will allow you to access your account on e-Banking without using your member number to sign in. If you decided to create a User ID, you can sign in using either your member number or User ID. Think of the User ID as a nickname that you use to access your account. Some people prefer to use a name that they can remember, rather than using their member number.
Your Security Phrase is used to help you identify e-Banking as a legitimate website. After enrollment, each time you sign in to e-Banking you will see your security phrase along with a security image of your choice.
If you forgot your password, you can reset it online. You'll need to verify some information before selecting a new password. You can also contact us during normal business hours to get your password reset. Once reset, you will then be prompted to change your password to something else when you sign in.
In order to verify your membership during enrollment, you must type your information exactly as it appears on your account. After more than three unsuccessful verification/login attempts, your account will be locked for 24 hours for security purposes. To unlock your e-Banking account, contact us or wait 24 hours to try again.
Signing in to e-Banking is a multiple-step process. At the login start, enter your unique User ID. You will then be directed to the next page, which should display the security picture and phrase you chose during enrollment. If your security picture and phrase are correct, you may input your password. If it is your first time logging in, you will be prompted to enter a unique passcode on the following page. Choosing the "Remember Computer" option will allow you to bypass this part of the log-in process in the future.
When logging in, select the "Remember Computer" option after entering your unique passcode.
Internet Explorer, Mozilla Firefox, Google Chrome, Apple Safari, Netscape Navigator and Opera have been tested and verified to work with e-Banking and our services.
Your e-Banking log-in pass code will need to be renewed every 60 days. When renewing, simply re-select "Remember this Computer/Device" when signing in.
Loans
Yes! We offer mortgage loans in Connecticut, Massachusetts, Maine, Rhode Island and New Hampshire. Visit our mortgage loan page for more information.
You can refinance your vehicle loan from another financial institution, but we do not refinance existing Nutmeg loans. Please contact our loan department for more information.
No. At this time, we do not offer an escrow account for taxes or insurance.
Your credit statement is available for viewing through the credit card access link in e-Banking. You can also receive an electronic copy of your statement via e-Pay.
Yes! Click here to apply for a Nutmeg credit card.
Mobile Banking
Mobile Banking is your own personal branch that is available anytime, anywhere! Take advantage of the same features you’re accustomed to, including at-a-glance actual and available balances for all your accounts; transaction history details, including searching within a specific date range; view check images; quick, one-time or scheduled transfers between your own accounts or other members’ accounts; and pay bills with a mobile version of e-Pay.
You can also use Mobile Banking to keep up-to-date with Nutmeg information, such as branch hours, locations, and contact information; current rates for share accounts, certificates, and loans; locations of Nutmeg ATMS and ATMs within the SUM® and/or CO-OO® networks. Mobile e-Banking is just as secure as the full version of e-Banking, so you can rest assured your information is kept safe. No information is stored on your mobile device. Best of all, if you’re already signed up for e-Banking, you’re already signed up for Mobile e-Banking too!
Never use the browser’s Back button on a phone with Mobile Banking, especially after visiting a page where you have entered information and pressed Submit or Continue. Use the links and tabs to navigate through the pages.
Mobile Banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between the wireless gateway, MShift’s servers, and Nutmeg’s web servers is encrypted using Secure Socket Layer (SSL) certificates.
Using your mobile phone to enter data takes a little practice. Passwords are case sensitive, so make sure you are entering it exactly as it is set up. If your password begins with a lower-case letter, you may need to use your phone’s shift key to change the default from upper case. In addition, some phones require extra shift key presses to enter numbers instead of letters.
There may be one of several things occurring with your online banking account.
1. Online Banking may be down. This can be confirmed by logging in to e-Banking.
2. MultiFactor Authentication (MFA) challenge questions may not be set up on your account. Please log in or contact us to get started.
3. You may have one or more pages appearing in online banking that require your attention, such as email address confirmation pages, security update pages, or Terms and Conditions updates. Log in to e-Banking to view these pages before using our mobile banking services.
If you are locked out of mobile banking, you must contact us to unloack your account or request a new password. For security reasons, you may not change your new password through mobile banking.
Yes! Click here to learn more about the Nutmeg Mobile App.
If you have a browser that allows you to see web pages on your phone’s main menu or home page, then it is web enabled. Contact your mobile phone carrier to confirm that your phone is web enabled and that the service is activated.
Mobile banking is accessible from any internet-enabled mobile device (including Apple and Android devices, Palm Pre and Treo phones, pocket PC devices and internet-enabled flip phones.
Yes, but you can only access certain features such as branch locations or contact information. Open an account today to unlock the full features of mobile banking.
No, mobile banking is free of charge!
Account Transfers
No, you must complete paperwork and show a valid form of identification at a branch to initiate a wire transfer.
We do offer outgoing money transfer services. Federal Wire Transfers are available at our branch locations and External Account Transfers are accessible through e-Banking (located under "transfers"). Incoming fund transfers are accepted, but cannot be initiated by Nutmeg State Financial Credit Union (with the exception of loan payments).
Regulation D (Reg D) is a Federal Reserve Board regulation that impacts savings-type accounts. It states that the maximum amount of transfers made out of savings or money market accounts must be limited to six per month.
If you need to transfer funds out of your savings account, locate an ATM or visit any of our branch locations.
e-Banking tracks your amount of Reg D withdrawals by month (with a limit of six per month). You can view your Reg D transfer count in e-Banking under "Account Details."
No. Per Reg D, members are limited to six withdrawals or transfers per month from savings or money market accounts.
Yes, you can set up overdraft protection for your savings or money market accounts. We allow up to six per month and there is a $5.00 fee for each transfer.
Direct deposits are credited by 8:30 am each business day.
We receive credits or items for deposits four (4) times per day. Depending on your payroll company, you could see your deposit after any of the following times: 2:00 am, 8:30-9:00 am, 11:30 am, and 4:00 pm.
We will need at least one business day to cancel a scheduled payment (cannot be the same business day).
Checking Accounts
Holds are placed on items in order in ensure the credit union receives payment of the funds the items represent. When an item is presented for deposit, the credit union does not immediately receive the funds from the paying institution. Checks must be sent through several "clearing houses" until it reaches the paying institution. Once received, the paying institution then remits the funds to Nutmeg (which can take several days).
We are bound by Federal Regulation CC when placing holds on a deposited item. Click here to view our disclosures for more information.
Checks are returned by the credit union when there are not enough funds in your share draft account to cover the amount of the item being presented for payment. Overdraft protection allows the credit union to automatically transfer funds from your share account or money market account directly to your share draft account in order to cover the amount of an item being presented for payment. There is a $5.00 fee for this transfer. Due to Federal Regulation D, some restrictions do apply. We allow up to six drafts per month.
We do not charge fees for ordering checks. Check order charges are from Harland Check Printers.
Our routing & transit number is 211977362.
Your available balance is the difference between your current balance and any pending transactions that haven't posted to your account yet. This is used as a safeguard to help prevent account overdrafts.
Please view our Funds Availability Schedule here for more information.
Credit/Debit Card
Yes! The best way to make payments toward your Nutmeg credit card is in the "Payments" section of e-Banking. You can make payments from your Nutmeg accounts or from another financial institution. Click here to get started.
Your credit card statements are available for viewing through the credit card access link in e-Banking.
Yes, we offer free HSA debit cards with our HSA accounts.
e-Pay
e-Pay is Nutmeg's electronic bill payment service that is accessible through e-Banking.
e-Pay is free to all Nutmeg members! All you need is a valid checking account.
If you already have an e-Banking account and a valid checking account, simply sign in and click on the "e-Pay" link. One you have read and accepted our e-Pay Use Disclosure, you will be able to create new payees with this service.
If you are unable to sign in to e-Pay and are not getting an error message, make sure that your web browser has been set up to accept cookies or third-party cookies. If you need assistance, please contact us.
You can find a payee's address by clicking on their name in the "Payment Center" section of e-Pay. You can also view payee addresses by clicking on "Manage My Bills" and selecting a biller name to update its information.
If you do not have enough money in checking, any transaction (including those in e-Pay) can be convered by overdraft protection if set up. We allow up to six (6) overdraft transfers from savings per month.
To view your account balances, click on "Accounts" in the top-left corner to go back to e-Banking.
e-Statements
e-Statements is a part of our e-Banking service that allows you to retrieve your statements from any computer with internet access. With e-Statements, you can receive your statements as webpages (HTML) or exactly as your printed statements would appear (PDF). You can also choose to save your statements to your computer rather than printing them. Once you enroll in e-Statements, you will no longer receive paper statements. This service is free to all Nutmeg members!
There are many benefits to using e-Statements. By signing up, you'll get your statements several days faster than printed statements (and usually within the first two business days of the month). e-Statements also save paper and reduce the credit union's printing costs. But don't worry! Even if you have enrolled in e-Statements, we are required by law to keep seven years' worth of statements on record for you.
In order to enroll in e-Statements, you must have a valid e-Banking login (username and password) and a valid e-mail address. Once enrolled, a valid e-mail address must remain associated with your account to allow electronic statement notifications to be sent to you.
Select the "Print/Save as PDF" option. By doing this, your statement will be downloaded as a PDF and will be available for your recordkeeping. PDFs must be viewed with Adobe Acrobat, which can be downloaded for free here. To print your statement, simply select the print option in Adobe Acrobat and select your printing device.
Yes. In e-Statements, click on your profile and select "Make Changes" at the top of the page. Next, select "Cancel current e-Statement service" at the bottom of the page and click on "Apply changes." It may take one statement cycle for you to start receiving paper statements again.
Membership
Membership means that you are a part-owner of the credit union. As a member/owner, you are able to take advantage of all the benefits Nutmeg has to offer.
Yes! Click here to visit out new member application.
