Member Services

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FREE Member Services

  • Stop Payment (Share Draft/ACH/Debit Card/Online)

  • Credit Union Check Replacement

  • Copies of checks

  • Account Research/Reconciliation

  • Statement Copies

  • Account History and Copies

  • Bank to Bank Wire Incoming

  • Domestic Wires (Incoming)

  • International Wires (Incoming)

  • VISA PIN Reminder

  • CU Checks

Direct Deposit

Save time by having your entire payroll or retirement check automatically deposited into your share or share draft every payday.

Payroll Deduction

You designate a specific amount from each paycheck to go into a specific St. Lawrence Federal Credit Union share. It’s a great way to add regularly to your share or share draft or make St. Lawrence Federal Credit Union loan payments.

Benefits

  • Both options save you extra trips to a branch to deposit your paycheck

  • Deposits are credited the same day for immediate access

Courtesy Pay

St. Lawrence Federal Credit Union’s Courtesy Pay is an overdraft protection program designed to provide an extra level of financial protection to qualified members. Through this program, St. Lawrence Federal Credit Union will pay (rather than return) non-sufficient fund (NSF) transactions on your sharedraft. This optional service can provide additional support when you need it most.

St. Lawrence Federal Credit Union Courtesy Pay Features:

  • Convenience — may allow your purchases to be approved when you have insufficient funds

  • A safety net — may cover reconciliation errors

  • Emergency backup — may cover unexpected expenses

  • May prevent potential credit score damage, merchant fees, collection reporting and NSF fees for returned checks.

  • There is no monthly fee for St. Lawrence Federal Courtesy Pay. However, you will be charged a $25 fee each time we pay an overdraft.

Overdraft Protection and Courtesy Pay Options

If you would like to select Extended Coverage for future transactions:

  • Visit any branch

  • Send a secure message by logging into Home Banking and clicking the Messages tab

For more information about Courtesy Pay, please call (315) 393-3530 or visit one of our friendly Universal Services Representatives at any branch.

Notary Service

We have staff members who are New York State licensed Notary Publics. This service is free to St. Lawrence Federal Credit Union members. Please contact one of our branches to determine availability at a particular branch.

Wire Transfers

Wire Transfer is a method of electronic funds transfer from one person or entity to another.

Features:

  • Transfer money between your share or share draft to third parties

  • Domestic Wire Transfers ($20 fee)

    • Available by completing a Wire Transfer Order - Domestic

    • Provide the beneficiary bank, routing number, beneficiary account number, complete beneficiary name, and address, as well as any special instructions that may aid proper credit

  • International Wire Transfers ($40 fee)

    • Available by completing a Wire Transfer Order - International

    • Provide International Beneficiary bank SWIFT code and address. Beneficiary account number (IBAN required on all European accounts), beneficiary’s complete name, address, and any special instructions that may aid proper credit

Important Security Information:

To protect members' assets, security measures have been instituted to ensure Wire Transfer requests are legitimate. These measures, which include member identification, may result in delays in processing wire transfers and other requests. We appreciate your understanding as we work to ensure our members' assets are protected and encourage members to monitor their accounts.

Instructions for Incoming Wire Transfers (no fee):

Send to:            

Alloya Corporate Federal Credit Union
1021 Watervliet-Shaker Road
Albany, NY 12205

Routing # 221381715

Beneficiary information:        

St. Lawrence Federal Credit Union
800 Commerce Park Drive
Ogdensburg, NY 13669

Account# 221378906

With final credit to:        

Member Name
Member Account Number

Member Service Numbers

Debit Cards

  • Member Service: (315) 393-3530

  • Debit Card Activation/Update PIN: (800) 992-3808

  • Audio Banking: (315) 229-4557

  • Lost/Stolen Debit Card (After Hours): (800) 472-3272

  • Debit Card Fraud Reporting: (315) 393-3530

Credit cards

  • Member Service: (315) 393-3530

  • Member Service (After Hours): (800) 299-9842

  • Lost/Stolen Credit Card (After Hours): (800) 299-9842

  • Credit Card Fraud Reporting: (800) 600-5249

Financial Calculators

Mobile Wallets

The Pays are here! Apple Pay,® Google Pay® and Samsung Pay® are mobile wallet apps that allow you to pay using your mobile phone.