FAQs
Credit Union Basic Information
What is Serve Credit Union’s Routing Number?
273 073 958
What are the Branch addresses?
423 E Court Ave, Des Moines, IA 50309
3743 86th Street, Urbandale, IA 50322
What is Serve Credit Union’s Phone Number?
(515) 243-2677 - Call or Text us - This phone number rings at both branches. Please do not include sensitive information in a text message.
Am I eligible for Membership/How do I Join?
Serve Credit Union is a closed field of membership credit union, which means eligibility is determined by meeting certain requirements.
How do I Apply for a Loan?
Click here to apply for Serve Credit Union Loan Products including:
Auto, Credit Card, Imagine, Home Equity, etc.
Who sits on our Volunteer Board of Directors?
Click here to meet our Volunteer Board of Directors and learn more about Serve Credit Union’s history!
Can I order Checks Online?
You can order checks here, be sure to have your “reorder slip” or the following information:
Routing Number: 273 073 958
Checking Account Number
What is Shared Branching?
Shared Branching is a SCU benefit that allows you to “Credit Union” from nearly anywhere!
Bring your Photo ID and Member Number to any Shared Branching Credit Union and deposit, withdraw, and make loan payments to your SCU Membership.
Click here to search for Shared Branching locations near you!
Are there “No Fee” ATMs available?
Yes! Click here to access the Privilege Status ATM network and find a “no fee” ATM near you!
Can I exchange Foreign Currency at Serve CU?
No, unfortunately, we do not offer foreign currency exchange of any kind.
Do you have a Notary?
Yes! Both of our branches have Notaries of Public, appointments are not required but are recommended. You must provide a valid Government Photo ID and documents must not be signed prior to our presence.
How does Night Drop work?
Bring your cash or checks after hours and place in the provided envelope. Be sure to designate which accounts to deposit funds and place in the Night Drop slot to be reviewed first thing the following business morning.
Court Ave-Night Drop is located in the far left lane of the drive-thru.
Urbandale-Night Drop is located on the right side of the front door.
Do you offer Coin Counting?
Yes! Both of our branches offer coin counting to all members! Please note this service is not available for Shared Branching.
How do I rent a Safe Deposit Box?
Court Ave is our only branch that offers this product, and the rental process must be completed in person. We recommend calling or texting (515) 243-2677 ahead of time to request availability on our three sizes - 3x10 ($36 Annual Fee), 5x10 ($48 Annual Fee), and 10x10 ($72 Annual Fee).
Please expect and allow 25-30 minutes for this process, as you will need to complete paperwork and be set up in our handprint system.
Debit and Credit Card Information
What Phone Number do I call for Debit Card Questions?
Call us at (515) 243-2677 and Press 1
After hours call (866) 553-2921
Utilize the above numbers for a lost/stolen card
What Phone Number do I call for Credit Card Questions?
Call us at (515) 243-2677 and Press 2
After Hours call (866) 590-7665
Utilize the above numbers for a lost/stolen card
I have Fraud on my card, what should I do?
Look for Fraud Alert via text, phone call, or email from our Card Servicer Fraud Department to confirm or deny the transaction.
If you did not receive an alert or are hesitant to respond, please call (855) 553-4290 and follow the prompts.
I misplaced my debit/credit card; what should I do while I look for it?
Log in to your Serve CU Cards App or Card Management via Online Banking and “Lock” your card until it’s found.
My debit/credit card is damaged and I need a replacement, what should I do?
Complete the Damaged Card Replacement Request Form.
What are the daily limits on my debit card?
PIN Transactions - $510
Credit/Signature- $5,000
Online Banking and Mobile Apps
How do I enroll in Online Banking?
Have the following credentials ready: First/Last Name, Member #, SSN, Zip Code, DOB, Email Address.
I used to share my Login for Online Banking; how do I protect my information?
Each member/user of Online Banking should have their own profile/login information.
If you are having trouble logging in for the first time, call or text us at (515) 243-2677 or email us at info@servecu.org
Sharing login information could result in you seeing information or others seeing your information that they are not authorized to see.
Your Online Banking is connected to your Social Security Number/TIN, not your Membership Number. When you log in with your own credentials, you will be able to see everything that your SSN/TIN is associated with.
How do I change my Address Online?
Serve Credit Union Mobile App
Download the “Serve Credit Union Mobile” app and click here to learn more about the app’s functions.
Serve CU Cards App
Download the “Serve CU Cards” app and click here to learn more about the app’s functions.
Can I deposit Checks on the Mobile App?
Yes! Mobile Check Deposit or “Remote Deposit Capture” is available on the Serve Credit Union Mobile App.
Are Digital Wallet Solutions available?
Yes! Enroll your Serve CU Debit and Credit Cards in Apple Pay, Google, and Samsung Pay straight from the Serve CU Cards App!
Why can’t I link my Serve CU account via PLAID?
We are not integrated with Plaid at this time. If you are trying to link your other Financial Institution, Venmo, etc., to your Serve CU account, simply locate “Verify Bank Manually Instead” and type in the routing and account number to verify your account here!
Why am I having trouble verifying my account via Venmo?
Venmo and other similar account-linking applications must be verified using a “Verify Bank Manually” option, which includes micro-deposit verifications.
Why does a Closed account/loan/CD stay on my Online Banking after it’s been closed/paid off?
Any closed suffix will be visible online through the end of the month. Once the next month starts, you will no longer see those closed suffixes.
What is Card Management?
Card Management, found in the menu of Online Banking/Mobile App, connects you to your debit/credit card platform. All cards must be registered in the platform and from there you have access to card control functions!
Statements & Newsletter
Will I receive Monthly or Quarterly Statements?
Monthly Statement:
Savings account with electronic transactions
Example: ATM withdrawal, online transactions, etc.
Memberships with a checking account regardless of transaction type
Quarterly Statement:
If your membership does not meet the above criteria
How can I enroll/access Banking E-Statements?
E-Statements are accessible by selecting “Statements + Documents” after logging into Your Online Membership (aka Online Banking").
If not enrolled, a prompt will guide you through the enrollment process upon your next login.
If a prompt does not appear, follow the below instructions to enroll.
Login to Your Online Membership
Select the menu (3 lines or 3 dots)
Click "Email Settings" under User Profile
Click the down arrow next to your email
Checkmark "Statements" and click submit
How can I enroll/access Credit Card Statements?
To enroll/access, login into your Online Banking via Desktop and select “Card Management” in the menu
Once in the card site, select Statements and select “eStatement Enrollment” and follow the enrollment prompts.
Can I read the Newsletter Online?
Loans
Does Serve Credit Union offer Mortgage Loans?
Can I make my own Loan Payments?
Yes, we would love that! Take control of your finances by setting up your own automatic payments on your SCU Loans!
Log into Online Banking or in the Serve Credit Union Mobile App and select “Transfers”- Schedule or initiate one-time transfers from your Serve CU Account, or click here to learn how to connect an External Account.
Do I need to provide Serve Credit Union with Proof of Insurance on my collateral?
Yes! Please add Serve Credit Union as “Lienholder” or “Mortgagee” to your insurance policy.
Provide the following to your Insurance Agent: “Serve Credit Union, 423 E Court Ave, Des Moines, IA 50309”.
Title & Loan Payoff
Where do I find my Loan Payoff Amount?
Online Banking/Mobile App will show your same-day payoff.
Paying off from an External Account may take several business days; please account for additional days of interest by completing the Loan Payoff Request Form.
When will you release my Title after I pay off my loan?
If paid off with cash, the title will be released within 1-3 business days.
If paid off with any other form of payment, the title will be released within 7-10 business days.
When will I receive my Title after I pay off my loan?
Expect to receive your title within 2-4 weeks of payoff from your County Treasurer.
I need to change/add a name on my vehicle title, and my loan has an outstanding balance, what should I do?
Please email us your requested changes to info@servecu.org
Information to include in the request:
Full Names of Owner/s, Contact Information, Specify Vehicle
Connecting to your SCU Account
| Items | Numbers | Examples |
|---|---|---|
| Routing Number | 273 073 958 | 273 073 958 |
| Connect with your Primary Share | Use your Member # | Example: 12345 |
| Connect with your Checking Account | Use your Checking Account # | Credit Union will Provide |
| Connect with your Sub Account | Use your Member # followed by a leading zero and Suffix | Example: 12345020 |
Example Member Information:
Member # = 12345
Member Checking Account # = Can be found at the bottom of Check or Request a Membership Card from SCU which contains Checking Account #
Member Sub Account Suffix # = 20