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HCTA Federal Credit Union
3454 Ellicott Center Drive
Ellicott City, MD 21043
410 461-2257 FAX 410 461-4691
www.hctafcu.org
info@hctafcu.org

Home

HCTA OnLine

Loans & Rates

Service Agreement
& Disclosure Statement

HCTA OnLine Banking is now available to our members. To begin your access to this service you must first down load the HCTA OnLine Authorization Form and bring, fax or mail it into the office. Please read the Service Agreements and Disclosure Statements provided for you on the link below. Once you receive an
E-Mail from us with your password you may begin using your HCTA OnLine Banking Service.

ATM Locator

ATM / DEBIT CARDS

Surcharge-Free
ATM Locators

OnLine:
click on the ATM Locator link above.

Text: address, intersection, or zip code to 692667 (MYCOOP)

GPS: click on the ATM Locator Link above then click on GPS

Our ATM/Debit Card Program is in the CO-OP System. Many of the network ATM machines are located in 7-11's in the area.

Use the ATM Locator Link above to locate a Network ATM near you or across the country.

Our ATM/Debit Cards can be used at local merchants for POS purchases too.

The cards will work through your Draft Account (Checking) so if you don't currently have a Draft account with the Credit Union you will open one at the time that you apply for your Card. Once you apply, the cards will take about two weeks to process.

Each card will have a specific card number for each member. If a husband and wife both apply for a card, they will not have the same card number. This is a safeguard for you in the event that your card is lost or stolen, allowing the other member on the account to access the account with their card. Remember to contact the credit union or the CO-OP number on the back of the card ASAP if your card is lost or stolen.

When you receive your new card, be sure to activate it promptly with the number on the front sticker on the card. If you wait too long to activate, the voice on the phone will prompt you to call the credit union and we will be happy to activate your card for you. Once you are activated, you will want to make sure that you have money in your "21" account (that would be your Draft Account). You can do this by calling us to move funds or do it yourself on the HCTA OnLine.

Very Important Information Below:
Our new ATM/Debit card program is set up on a batch system. That means that we download our daily data one time per day, we are not on what is called a "live" system. For our members, that means that there is a time delay in accessing your funds. Please plan ahead and realize that you may need to move funds 24 to 48 hours prior to accessing it. If you have questions about the process please feel free to contact us at 410 461-2257.

	Reminder: Checks requested on all accounts through Electronic Banking may not exceed $1,000 each. See Service Agreements and Disclosure Statements for more Information
	If you get a message that you cannot connect to the HCTA OnLine due to pop up blocking you will need to hold down the "Ctrl" key when you click on the HCTA OnLine link.