No, there are no origination or disbursement fees.

When the card is turned ON, you can use it to make purchases and other normal transactions. When the card is turned OFF, one-time transactions using your card or card number will be blocked. Recurring transactions will still process even when your card is turned OFF. To turn your card ON/OFF, simply tap on the toggle to set your desired card status. Changes to your card status are instant, so you are in control of when your card may be used.



To turn your card ON/OFF, simply tap on the toggle to set your desired card status. Changes to your card status are instant, so you are in control of when your card may be used.

5Point Credit Union has two texting options, 5Point text alerts and informational text messages.

By opting into 5Point text alerts, you will receive updates on our latest promotions, events, and more.

With our informational messages, you will receive updates notifying you of important news like weather-related branch closings.

Sign in to your bill pay dashboard to cancel a pending bill payment. Locate the payment, expand to view details, and select delete payment.

PayItNow is located in 5Point's Mobile app and in Home Banking. PayItNow allows you to send money to almost anyone with an email address or mobile phone number.

To transfer funds using PayItNow you will provide the email address or mobile phone number for the intended recipient, as well as specify the amount to be sent. The recipient is notified by email or text message that you are sending money. This notification includes instructions on how to securely accept the funds. Once completed, the funds are electronically transferred in 1-2 businesses days, and the transaction is complete.

PayItNow offers an added layer of security by using a secret question and answer function to help ensure your funds are transferred as intended.
 

The Live Teller system is innovative technology that combines the personal assistance of a live teller with the functionality of an ATM machine. Our video tellers connect with and serve members remotely using video.

Yes, you can borrow funds through our loan program to cover the cost of housing and meal plans; however, your school must certify your loan application indicating you are eligible to receive the loan amount requested. 

No, anyone can apply on behalf of the student beneficiary as long as they meet the eligibility requirements.

Click here for instructions on how to set a travel notice behind card control.

The minimum amount that can be sent is $0.01.

The maximum amounts that can be sent are below:

P2P Payments

Existing Members
Single Transaction: $2,500
Daily: $5,000
Daily Amount – Debit Card: $2,500
Monthly Amount: $10,000
 
New Members
Single Transaction: $500
Daily: $500
Daily Amount – Debit Card: $250
Monthly Amount: $2,500

A2A Outgoing Transfers

Existing Members
Single Transaction: $10,000
Daily: $20,000
Monthly Amount: $40,000
 
New Members
Single Transaction: $1,000
Daily: $2,000
Monthly Amount: $5,000

A2A Incoming Transfers

Existing Members
Single Transaction: $5,000
Daily: $10,000
Monthly Amount: $20,000
 
New Members
Single Transaction: $500
Daily: $1,000
Monthly Amount: $2,500
 

5Point Credit Union uses two phone numbers to send updates to our membership.

Our 1.844.427.6928 is our 5Point text alert's phone number. This numbers keep you up to date on upcoming promotions, important events, and more.

Our 1.833.913.3195 is our informational phone number. This number keeps you up to date on branch closures, inclement weather updates, and more.

When using bill pay, please check the following items:

• Check that account numbers and addresses uploaded correctly after the upgrade.
• Monitor your personal account to ensure bill payments have cleared.
• Check your email after sending payments to ensure none of the payments were returned.

Reach out to our member service team if you need assistance updating your payees or find that you have a returned payment.

The Live Teller system will help us to serve you more consistently and to create a better member experience. By centralizing our teller resources, we can serve our members more effectively. That way, if one branch is experiencing high volume while another is not, then we will be able to concentrate our resources where they are needed most at that time to serve all members in the most efficient way possible.

Unfortunately, we do not allow cosigners to be added to a Parent Loan.

The main Card Alerts and Controls screen will display your credit card(s) with the On/Off status of each card. Each card can be identified by the last 4 digits of your card.


 

We suggest you exhaust all federal aid, grants, and scholarships before applying for this loan. However, completion of the FAFSA is not a requirement to apply for our loan program. 

Using the pay-by-debit card option is the quickest way for the recipient to receive their funds. For this transaction to be instant, this requires the person paying the recipient to use the debit card payment, and then the recipient must accept the payment through their debit card. If the recipient does not accept the payment using the debit card option, this will result in the transaction taking 1-2 business days to process. Though this is the fastest way, you cannot use the debit card option for recurring or future-dated payments.

You can process deposits, withdrawals, cash checks, make transfers, loan payments, and obtain account balances.

Anyone! You don't have to be a member to receive text messages from 5Point. 

We are constantly looking for ways to improve our member's experience. Upgrading our bill pay feature will allow you to move funds, manage, and pay your bills in one secure place with a faster delivery speed.

The Alerts and Control Preference screen allows you to have even more control on how you receive your alerts and for what types of transactions.

The recipient does not need to be a member of 5Point Credit Union. When the recipient receives the notification that the money is being sent to them, they will be prompted by PayItNow to follow a few steps to accept the funds.

To opt-in to our 5Point text alert messages - text “5Point” to 1.844.427.6928.

To opt-in to informational text messages - text “5Point” to 1.833.913.3195.
 

We ask that you delete any unused payees. Deleting unused payees will help us transfer only the current payees you are actively using. Please note if you have hidden payees in the past, those will need to be deleted if they are no longer needed. It is very important to review your payee billing information to ensure everything has transferred over correctly once our new system is live.

We recommend that you begin the application process at least 30 days before the semester begins - this should allow for ample time to complete the application and submit any required documentation. 

The loan program is only available for Title IV eligible institutions that offer a Bachelor’s degree or higher.

The amount of time it takes to process your transaction will be approximately the same with a live video teller as it is with a traditional teller. Our goal is to decrease the amount of time you spend waiting in line to see a teller.

Yes, you can borrow funds through our loan program to cover the student beneficiary’s cost of housing and meal plans; however, the student’s school must certify your loan application indicating the loan amount you are eligible to receive based on the student’s financial aid/need.

Text STOP to 1.844.427.6928 to opt out of 5Point text alert messages.

Text STOP to 1.833.913.3195 to opt out of informational text messages.

Text STOP ALL to either number above to be removed from all text messages.

The recipient is notified by email or text message as soon as you set up the payment. Once the recipient has followed the steps needed to accept the funds, they will appear in the recipient’s account in 1-2 days. The recipient has 10 calendar days to accept the funds before the transaction is canceled.

The approval process can take from 1-2 business days depending on how quickly you're able to submit all required documentation. Once the loan has been approved and you have signed the loan application, we will send the School a request to certify the loan. It normally takes schools anywhere from 8 - 12 business days to complete this certification request depending on the time of year. 

By default, alerts are enabled for Preferred Transactions. If you do not want to receive Alerts for Preferred Transactions only, you can change your preference to All Transactions or Blocked Transactions Only. To help protect your account we will always send an alert if you are blocking transactions and one is attempted. If you receive an alert on transactions that you did not authorize, please contact us immediately.

• No deposit or withdrawal slip required
• Drive up convenience
• Same personal service that you are used to
• Images of checks printed on receipt
• Additional ATM access through the machines

Your existing payees, scheduled payments (including recurring payments), and up to six months of payment history will be available in the new bill pay service.
While we are making every effort to ensure your information is transferred to the new bill pay service seamlessly, we recommend you verify your payee information (name, address, and account number) and that your scheduled bill payments are accurate in the new service.

The Alert Delivery Options screen allows you to customize how you receive your card alerts. If you have Push Notifications and Text Message Banking enabled then all delivery options will be turned ON. If you do not want to receive an alert to that option, simply toggle OFF the method you want to stop receiving alerts for that card. At least one delivery option must be enabled for each card.

If an option to enable Push Notifications does not display, you can enable them by accessing your mobile app’s menu and going to Settings. Once in the Settings menu, you can enable Push Notifications by clicking on the link. The Push Notification screen will allow you set up other account alerts such as balance reminders. Once Push Notifications are enable, please return back to your Card Alerts and Control screen. If you access the Alert Delivery Options, you will now see the toggle to enable Push Notifications for Card Alerts.

If an option to enable SMS Text Alerts does not display, you can enable them by logging into Internet Banking and clicking on Notifications and selecting Settings. The Alerts and Notifications screen will allow you set up other account alerts such as balance reminders. Follow the onscreen prompts for adding your phone number for Text Message Banking. Once Text Message Banking is enable, please return back to your mobile app and access the Card Alerts and Control screens. If you access the Alert Delivery Options, you will now see your phone number has been added along with a toggle to enable SMS Text Alerts for Card Alerts.

No, the funds stay available in the sender's account until recipient accepts the transfer. Once the recipient has followed the steps needed to accept the funds, they will appear in the recipient’s account in 1-2 days. The recipient has 10 calendar days to accept the funds before the transaction is canceled.

Should you wish to put the funds on hold in your account to until the recipient accepts the transfer, login to online banking and select the “Add Transaction” option. Next enter the date, description, and amount. The hold will be displayed at the top of the transaction history and can be deleted at any time.

The minimum loan amount is $1,000 and the maximum you can borrow is determined by the school you are attending, but is limited to the lesser of your cost of attendance less other aid or $65,000.

The minimum loan amount is $1,000 and the maximum you can borrow is determined by the school the student is attending, but is limited to the lesser of the student’s cost of attendance less other aid, or $65,000.

Text ‘Start’ to 1.844.427.6928 to start receiving 5Point text alert messages again.

Text ‘Start’ to 1.833.913.3195 to start receiving informational messages again.

No, the Live Teller system is not replacing our employees. In fact, it can’t function without an employee. There are real 5Point employees processing transactions on the other side of the camera. In addition, the Live Teller system allows our employees to process transactions more efficiently.

Payments to anyone in the United States and its territories can be made through bill pay. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service, friend, or relative.

No, there are no origination or disbursement fees.

No, the only thing the recipient is able to do is accept a payment.

To ensure a fast and easy enrollment process, we recommend following the steps below before enrolling your eBills:

● Know the username and password you use to access each biller’s website. If you forgot your login information, visit the biller’s website to reset your password.
● Be sure to know your account number and payment address for each biller. This information can be obtained from a most recent statement or eBill or the biller’s website.
● Some billers may require a one-time code or challenge question to complete setup. Visit the biller’s website to verify your email address and mobile number are current in their system and update your challenge question answer(s), if necessary.
● As each biller has a different billing cycle, some eBills may not be available until your next statement cycles.

No, you can pay your loan off early regardless of your repayment terms without any penalty. You will only be charged the amount of interest that has accrued on the loan until the day the loan is paid off. 

The Merchant Type screen allows you to BLOCK transactions from specific merchant categories such as Gas Stations, Groceries stores , hotels and airlines in the Travel industry and many more. If you have your Send Alerts setting set to Preferred Transactions, you can also turn on or off alerts from specific merchants. If you are BLOCKING the merchant type, you will not be able to turn off the alert.


 

Message and data rates may apply. By opting-in, you accept our 
5Point Text Updates Terms & Conditions.


5Point Text Updates Terms & Conditions.

The Live Teller system is very simple to use, and our live video tellers will do a great job of guiding members through every step of a transaction. You may also still visit a lobby teller inside of our branches if you are more comfortable with this option.

Yes, recipients you have sent money to in the past can be stored for future use.

Payments will process electronically via ACH or by check. Funds must be available by 4:00 PM CT of the send date when electronic payments are indicated for the selected payee.

The Transaction Type screen allows you to BLOCK transactions by types such as Mail/Phone Orders, ATM, Online, and more. If you have your Send Alerts setting set to Preferred Transactions, you can also turn on or off alerts for specific types. If you are BLOCKING the transaction type, you will not be able to turn off the alert.

Students can apply with a cosigner to help meet creditworthiness guidelines and increase their chances of passing the initial credit review. If a student does not have credit history, we recommend applying with a cosigner who does. 

The credit check serves two main purposes. First, it is used to verify the identity of the person signing the application. Second, it's used for qualification purposes and helps us offer you the best pricing we can based on your credit history.

Yes, our bill pay offers 24-hour service/7 days a week. You can pay online using a credit card, debit card, or an electronic check (eCheck).

If the recipient has not yet accepted the payment, the sender can cancel the payment by selecting it from scheduled payments and then cancelling it. The recipient will then be notified that the payment has been cancelled and to contact the sender with any questions.

The Location Type screen allows you to BLOCK transactions from merchants processing transactions internationally. If you have your Send Alerts setting set to Preferred Transactions, you can also turn on or off alerts for foreign transactions. If you are BLOCKING foreign transactions, you will not be able to turn off the alert.

The initial credit review considers all of the information you provide during the application process and the information obtained from your credit report. If you pass the credit review, we will need to receive your income verification documents, signed Loan Agreement and Applicant Self-Certification Form and the Student Consent Form (to be completed by the student beneficiary) before final loan approval.

Your permanent address is the location that you consider to be your primary place of residence (like your parents' or guardian's address). Your mailing address is wherever you want to receive all of your loan documents. 

No, you are not required to apply for Federal Aid before applying for our loan program.

There are several ways that PayItNow helps ensure your transfer gets to the intended recipient.

When you begin the process, you’ll be asked to input the recipient’s name, and email address or mobile phone number, twice, for confirmation. Verify this information with the recipient before you set up the transfer and check it carefully when entering it.

You will be asked to input a security question and answer when you set up your transfer. The recipient will be prompted for the answer to the question before the transfer can be completed.

The Spend Limits screen allows you to BLOCK transactions greater than the amount you enter on screen. You can also enter a dollar amount to receive alerts greater than the amount you entered. If you only want to receive alerts on transaction above the threshold you entered, you will need to disable all alerts for Merchant, Transactions, and Location types. Any transaction that is BLOCKED will trigger an alert even if it is lower than the amount you entered.

U.S. Citizen - A person who was born in the United States, including the lower 48 states, Alaska, Hawaii, Puerto Rico, Guam, and the U.S. Virgin Islands; or who became a citizen through naturalization; or who was born outside of the United States to U.S. Citizen parents under qualifying circumstances (derivative citizenship) and who has not renounced U.S. citizenship. 

Permanent Resident - Any person not a citizen of the United States who is residing in the U.S. under legally recognized and lawfully recorded permanent residence as an immigrant. Also known as "Permanent Resident Alien," "Lawfully Permanent Resident," "Resident Alien Permit Holder," and Green Card Holder."

Your payment scheduling experience will change in the enhanced bill pay service, giving you a better understanding of when your payments will be sent and when your payees should expect to receive payments.

When scheduling payments, you will be presented with two dates, the payment send date, the date you wish for the payment to be sent, and the estimated delivery date, the date your payee is expected to receive the payment. The estimated delivery date displayed is dependent upon the send date you select and the method by which the payee receives payments, by check or electronically.

Electronic payments will be deducted from your account on the send date. Funds must be available by 4:00 PM on the send date for the payment to be sent.

Check payments will be mailed to your payee on the send date and the payment will be deducted from your account when the payee cashes or deposits the check.

To assist you with identifying how each of your payees receive payment, payees will display either an envelope icon for check payments or a lightning bolt icon for electronic payments.

If you think you have been a victim of fraud, please contact 5Point Credit Union immediately at 1.800.825.8829.

The loan application must be completed online to be accepted for review. If you are unable to electronically sign your application, it can be faxed, uploaded, or mailed to our offices. 

The loan application must be completed online to be accepted for review. If you are unable to electronically sign your application, it can be uploaded, faxed or mailed to our offices.

Yes! You can still access all your 5Point accounts. The only portion under construction is bill pay.

The approval process can take from 1 – 2 business days depending on how quickly you’re able to submit all required documentation. Once the loan has been approved and you have signed the loan application, we will send a request to the student beneficiary’s school to certify the loan. It normally takes schools anywhere from 8 – 12 business days to complete this certification request depending on the time of the year.

First, the routing number will be verified as your recipient enters it. Once your recipient enters a valid routing number and adds their account number, the payment instruction is sent to your recipient’s financial institution for processing (which takes 1-2 business days to post to your recipient’s account). If the recipient entered an incorrect account number, the transaction will fail. The funds will then be returned to your account, typically within 3-4 business days.

If your recipient inadvertently enters an account number that is valid but not owned by your recipient, your recipient will need to reach out their financial institution to research the transaction for them.

Primary sources of income typically reflect employment earnings, but may also come from other sources such as retirement or rental income. 

We recommend that you begin the application process at least 30 days before the semester begins – this should allow for ample time to complete the application and submit any required documentation.
 

Payments that are unclaimed after 10 days are canceled. You will have to set up another payment if you wish to send it to the recipient again.

The initial credit review considers all of the information you and your cosigner (if applicable) provide during the application process, and the information obtained from your credit report. If you pass the credit review, we will request income verification documentation, school certification, and Applicant Self-Certification Form before final loan approval. 

U.S. Citizen - A person who was born in the United States, including the lower 48 states, Alaska, Hawaii, Puerto Rico, Guam, and the U.S. Virgin Islands; or who became a citizen through naturalization; or who was born outside the United States to U.S. Citizen parents under qualifying circumstances (derivative citizenship) and who has not renounced U.S. citizenship.

Permanent Resident - Any person not a citizen of the United States who is residing in the U.S. under legally recognized and lawfully recorded permanent residence as an immigrant. Also known as "Permanent Resident Alien," "Lawful Permanent Resident," "Resident Alien Permit Holder," and "Green Card Holder."

Making the payments of any type during the in-school period can significantly reduce the total cost of your loan. If you select a repayment type that requires an in-school payment, all payments must be made on time during the in-school period. 

Your reference can be anyone over the age of 18, as long as he or she is not living at the same address as you. If you are applying with a cosigner, you cannot use the cosigner as your reference, nor can you reference live at the same address as your cosigner. Lastly, you and your cosigner cannot use the same reference. 

No, all funds are sent directly to the student beneficiary’s school. Once the student’s tuition and fees (and any other amount they may owe the school) are satisfied, any excess funds will be disbursed to the student by the school.

Your reference can be anyone over the age of 18, as long as he or she is not living at the same address as you.

Our loan program is only available for Title IV eligible institutions that offer a Bachelor's degree or higher. 

We need a personal reference as an additional means of contacting you during the servicing of your loan.

We need a personal reference as an additional means of contacting you during the servicing of your loan. If we are not able to reach the student or cosigner of the loan we will contact your personal reference. 

Applying with a cosigner who has good credit and income can help you satisfy credit criteria and may increase your chances of passing the initial credit review and receiving a lower interest rate. Most students will need a cosigner to qualify. In a cosigned application, both you and your cosigner intend to (a) jointly apply for credit and (b) be jointly liable for the requested loan. 

We use your Social Security number to verify your identity and to check your credit history.

Primary sources of income typically reflect employment earnings, but may also come from other sources such as retirement or rental income.

The credit check serves two main purposes. First, it is used to verify the identity of all people signing the application. Second, it's used for qualification purposes and helps us offer you the best pricing we can based on your credit history. 

No, you can pay your loan off early regardless of your repayment terms without any penalty. You will only be charged the amount of interest that has accrued on the loan until the day the loan is paid off.

We use your Social Security number to verify your identity and check your credit history. 

If you select the Immediate or Interest-Only Repayment options, you will be responsible to make payments on the loan while the student beneficiary is enrolled in school. If you select the Full Deferment Repayment option, payments will be deferred for up to 66 months while the student beneficiary is continuously enrolled at an approved school at least half-time.

All funds will be sent directly to your school. Once the tuition and fees (and any other amount you may owe the school) is satisfied, any excess funds will be disbursed to you by the school. 

Monday	9:00 AM - 5:00 PM
Tuesday	9:00 AM - 5:00 PM
Wednesday	9:00 AM - 5:00 PM
Thursday	9:00 AM - 5:00 PM
Friday	9:00 AM - 5:00 PM

By appointment only

None of 5Point's credit cards have an annual fee.

Drive-Thru Hours
 

Monday	7:00 AM - 7:00 PM
Tuesday	7:00 AM - 7:00 PM
Wednesday	7:00 AM - 7:00 PM
Thursday	7:00 AM - 7:00 PM
Friday	7:00 AM - 7:00 PM
Saturday	9:00 AM - 1:00 PM

Curbside Hours (by appointment only)
 

Monday	9:00 AM - 5:00 PM
Tuesday	9:00 AM - 5:00 PM
Wednesday	9:00 AM - 5:00 PM
Thursday	9:00 AM - 5:00 PM
Friday	9:00 AM - 5:00 PM

 

Drive-Thru Hours
 

Monday	7:00 AM - 7:00 PM
Tuesday	7:00 AM - 7:00 PM
Wednesday	7:00 AM - 7:00 PM
Thursday	7:00 AM - 7:00 PM
Friday	7:00 AM - 7:00 PM
Saturday	9:00 AM - 1:00 PM

Curbside Hours (by appointment only)
 

Monday	9:00 AM - 5:00 PM
Tuesday	9:00 AM - 5:00 PM
Wednesday	9:00 AM - 5:00 PM
Thursday	9:00 AM - 5:00 PM
Friday	9:00 AM - 5:00 PM

 

No. You can call 1.888.886.0083 to create a PIN. 

Drive-Thru Hours
 

Monday	7:30 AM - 6:00 PM
Tuesday	7:30 AM - 6:00 PM
Wednesday	7:30 AM - 6:00 PM
Thursday	7:30 AM - 6:00 PM
Friday	7:30 AM - 6:00 PM
Saturday	9:00 AM - 12:00 PM

Curbside Hours (by appointment only)
 

Monday	9:00 AM - 5:00 PM
Tuesday	9:00 AM - 5:00 PM
Wednesday	9:00 AM - 5:00 PM
Thursday	9:00 AM - 5:00 PM
Friday	9:00 AM - 5:00 PM

Yes.

Both cards will be mailed in the same envelope.

Drive-Thru Hours
 

Monday	7:00 AM - 7:00 PM
Tuesday	7:00 AM - 7:00 PM
Wednesday	7:00 AM - 7:00 PM
Thursday	7:00 AM - 7:00 PM
Friday	7:00 AM - 7:00 PM
Saturday	9:00 AM - 1:00 PM

Curbside Hours (by appointment only)
 

Monday	9:00 AM - 5:00 PM
Tuesday	9:00 AM - 5:00 PM
Wednesday	9:00 AM - 5:00 PM
Thursday	9:00 AM - 5:00 PM
Friday	9:00 AM - 5:00 PM

Drive-Thru Hours
 

Monday	7:30 AM - 6:00 PM
Tuesday	7:30 AM - 6:00 PM
Wednesday	7:30 AM - 6:00 PM
Thursday	7:30 AM - 6:00 PM
Friday	7:30 AM - 6:00 PM
Saturday	9:00 AM - 12:00 PM

Curbside Hours (by appointment only)
 

Monday	9:00 AM - 5:00 PM
Tuesday	9:00 AM - 5:00 PM
Wednesday	9:00 AM - 5:00 PM
Thursday	9:00 AM - 5:00 PM
Friday	9:00 AM - 5:00 PM

Please call 800.631.3197 to activate your new card.

Drive-Thru Only Hours
 

Monday	7:30 AM - 6:00 PM
Tuesday	7:30 AM - 6:00 PM
Wednesday	7:30 AM - 6:00 PM
Thursday	7:30 AM - 6:00 PM
Friday	7:30 AM - 6:00 PM
Saturday	9:00 AM - 12:00 PM

You can report credit card fraud to:

• 1.866.590.7672 for Platinum, Platinum Rewards, and Business cardholders
• 1.866.590.7682 for Signature cardholders

Drive-Thru Only Hours
 

Monday	9:00 AM - 6:00 PM
Tuesday	9:00 AM - 6:00 PM
Wednesday	9:00 AM - 6:00 PM
Thursday	9:00 AM - 6:00 PM
Friday	9:00 AM - 6:00 PM
Saturday	9:00 AM - 1:00 PM

If out of the country, you can call collect to 727.299.2449.

Yes, you'll need to update any bill payment service you're currently using to the new Visa card number.

Drive-Thru Only Hours
 

Monday	9:00 AM - 6:00 PM
Tuesday	9:00 AM - 6:00 PM
Wednesday	9:00 AM - 6:00 PM
Thursday	9:00 AM - 6:00 PM
Friday	9:00 AM - 6:00 PM
Saturday	9:00 AM - 1:00 PM

Yes, payments made to your old card will be paid on the new card, but will take a few days to process.

Rewards can be redeemed as merchandise, gift cards, travel, and statement credits. View the list of rewards at www.curewards.com/5point or from Access Point in home banking.

Once your card is activated, it will start accruing points for retail purchases only (not balance transfers, cash advances, or existing balances).

To Redeem Travel (Flights, Car Rental, Hotels, Experiential, etc.) Rewards: 1.800.666.8767 or 1.800.900.6160 (International calls)

To Redeem Merchandise Rewards: 1.800.637.7728