Century Employee Savings Fund Credit Union "Celebrating 50 Years of Service 1966-2016"
Member Access

Visa Check Card Visa Credit Card
Credit & Debit Cards

Checking fees taking a BITE out of your budget?
Get relief from gratuitous fees and open an account with Century Credit Union instead!

At Century Employees Savings Fund Credit Union, we're not owned by stockholders -- we're owned by our members. So, there's no need to charge outrageous fees on our checking accounts to make a profit. We profit by serving you! To open an account stop by our office at 401 11th St. NW, Hickory, NC 28601.

We offer...
  • No minimum balances
  • Convenient Check Card
  • ATM Account Access
  • Reliable Overdraft Protection
  • Direct Deposit
  • Automatic Payments
  • Check designs that fit your lifestyle
Torn Dollar image
Using your Visa Check Card

When you receive your Visa Check Card, you will need to call the phone number listed to activate the card. Your PIN number will arrive via a separate mailing. Do not write your PIN # on your card. Memorize it and do not carry it with you.

You are allowed 4 ATM transactions per month at no charge from Century CU. For each transaction in excess of 4 per month, you will be charged $2.

If you believe your card has been lost or stolen or that someone may transfer money from your account without your permission, call the credit union immediately at (828) 326-8512. If it is not within our normal business hours (M-F 9-5), call 1 800-453-4270.

Fraud and identity theft can be reported to the credit bureaus at:
Equifax - 800 525-6285 | Experian - 800 831-5614 | Trans Union - 800 680-7289

When you use your check card, the transaction places an immediate hold on funds in your checking account. There is no "float" time.

When you make a purchase (grocery store, department store, etc):
  • Swipe your card
  • Press "credit"
  • Sign a receipt
  • Can't get cash back
When you purchase gas:
  • Swipe your card
  • Press "credit"
  • You may be required to go inside to sign the receipt
At the ATM (for a cash withdrawal):
  • Swipe your card
  • ATM will ask Deposit, withdrawal or credit card transaction
  • Press "credit card". If it doesn't ask credit card, press "withdrawal"
  • Proceed by prompts
  • Cash advances are limited to $200 (if available in your account)
  • Try to use State Employees ATM machines. They do not charge a fee. Other financial institutions charge $1+

Keep in mind that this is a Visa Check Card, NOT an ATM card.

Your Visa card is now equipped with Verified by Visa - it password protects your card for free. Once you activate your card, Verified by Visa protects you at every participating online store - so only you can use your card.

Click here for more details about the Visa Security Program.

This credit union is federally insured by the National Credit Union Administration.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

© Century Employees Savings Fund Credit Union 2017
[All rights reserved]