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Frequently Asked Questions

  • Q: What is the minimum balance I need to maintain my Savings Account?
    A: $5.00

  • Q: How often do I need to perform a transaction on my account in order to avoid my account going dormant?
    A: A member must perform a transaction on their account at least once a year.

  • Q: Can I get a notification before I overdraw on my account to avoid the automatic overdraft fee?
    A: Members can set up eAlerts via ItsMe24/7 to request electronic alerts when 1) account balances get to a certain level, 2) when ACH items are posted, 3) when loan payments are coming due, or 4) when an eNotice is generated. Members can choose if they would like to receive these eAlerts via email and/or text message. eAlerts DO NOT prevent a member from overdrawing on their account, but it will notify him/her if their balance has reached a certain level.

  • Q: I have a New Beginnings checking account. Can I access both checking and saving accounts with my ATM card?
    A: Yes! ATM cards can access funds for both saving and checking accounts unless a member has specifically requested the credit union to restrict access to certain accounts, or if the credit union had to limit their access due to certain circumstances.

  • Q: What is my debit card daily usage limit?
    A: Signature based transactions (not using PIN#) up to $1,500 or 15 transactions within 24 hours. Pin based transactions up to $500 or 5 transactions within 24 hours.

  • Q: What is the cost to replace my ATM card or Debit Card?
    A: $10.00

  • Q: I just made an ATM deposit, why are my funds not available?
    A: All ATM Deposits over $200 are subject to a two-day hold.

  • Q: Does ItsMe24/7 work on a mobile phone and/or iPad?
    A: Yes! ItsMe24/7 is mobile friendly, but a user can only access it by clicking “Log In – ItsMe24/7 Online Banking” on the BBCU website. Users cannot log in if they simply type www.itsme247.com directly into their browser.

  • Q: Will 3rd party budgeting applications like Mint comply with ItsMe24/7?
    A: Yes, 3rd party budgeting applications will work with ItsMe24/7. However, since these 3rd party software applications are not supported by ItsMe24/7, members could experience issues. However, ItsMe24/7 allows transaction history files to be downloaded to Quicken, QuickBooks, Money Desktop, and the user can export a .CSV file to Excel as well. To access, log into ItsMe24/7, click “My Accounts” then “Downloads.”

  • Q: How can I access my VISA line of credit without using my card?
    A: Members can transfer money from other accounts to their VISA Credit Card using ItsMe24/7 Online Banking. Also, members can access their VISA line of credit using the VISA PIN# (they received when they opened the card) at an ATM. They can also come in and request us to transfer funds to their acct or have us create a credit union check.

  • Q: How far ahead can I pay on my lease?
    A: A member can only pay up to 3 payments in advance on his/her lease.