FRAUD REMINDER TO OUR MEMBERS | Fraudsters are especially hard at work this time of year. Please know 5Point will NEVER call and ask for your online banking login information. Do not provide account or card login information over the phone. If you’re suspicious during a call, hang up and call us at 1.800.825.8829.
No, there are no origination or disbursement fees.
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.


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

Unfortunately, we do not allow cosigners to be added to a Parent Loan.
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. 
You can process deposits, withdrawals, cash checks, make transfers, loan payments, and obtain account balances.
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. 
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.

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.

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.



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.
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. 
  • 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
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.
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.
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.


 
No, there are no origination or disbursement fees.
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 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.

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.
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.

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.
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.

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.
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."
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.
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.
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.
 
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
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
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
 
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