Have questions about your account at Ellafi Federal Credit Union?
How do I open a new account?
If you’re applying for membership online, choose the accounts you want to open on the online application. Or stop by a Ellafi Federal Credit Union branch to join in person and open any accounts you want.
What’s Ellafi Federal Credit Union routing number?
The routing number for Ellafi FCU is 211177829.
I lost my debit card: how do I order a replacement?
Security constraints prevent us from processing debit card replacement requests online. Please call us at 860.346.6614, during business hours and a Member Service Representative will be happy to help you. Or stop by any branch during regular business hours.
How do I dispute a transaction?
Please call us at 860.346.6614, during business hours and a Member Service Representative will be happy to help you. Or stop by any branch during regular business hours.
I plan on going out of the county. What do I need to do?
Please call us at 860.346.6614, during business hours and a Member Service Representative will be happy to help you. Or stop by any branch during regular business hours.
Why am I getting charged a $3.50 Regulation (Reg) D fee in my savings account?
Regulation D (“Reg D”) is a federal law that limits the number of transfers and withdrawals that you can make from an interest bearing account (Regular Savings, Money Market, or Club Account) at Ellafi Federal Credit Union to a Checking Account or to a third party. According to Regulation D, you may not make more than six pre-authorized, automated, or telephone transfers/withdrawals from these accounts each month.
The regulation was established to prevent consumers from using interest bearing accounts as transaction or checking accounts. Fees are typically applied to such transfers and withdrawals in order to discourage consumers from using interest bearing accounts as transaction accounts
Reg D Fees
Savings accounts, which also include Certificates and Money Market Accounts, are not classified as “transaction” accounts and have limited transaction allowances. Regulation D allows for 6 transfers/ withdrawals per statement cycle or month. The fee for each transfer/withdrawal above six within that timeframe is $3.50/transaction.
How can I avoid being charged the Reg D fee?
- Open a checking account if you do not have one with Ellafi Federal Credit Union. Ellafi Federal Credit Union provides various checking accounts tailored to your needs.
- Use your checking account for the majority of your withdrawals and debits.
- Keep more funds in your checking account.
- Transfer excess funds from your checking account to your deposit account after you verify it is not needed.
- Locate a Ellafi Federal Credit Union Branch, Shared Branch, or Free ATM.
What happens if I continually exceed the transaction limit?
Ellafi Federal Credit Union is required to limit transactions within savings accounts. Consecutive overuse of a savings account may result in limitations to withdrawal/transfer capability from the savings account, automatic conversion to a transaction account, or account closure.
How do I verify how much I owe on a loan?
You can view your current loan balance anytime through Online Banking or our Mobile Banking App. If you need an official payoff amount, which may include accrued interest or applicable fees, please contact us by phone or visit any Ellafi branch, and we'll be happy to provide an accurate payoff quote.
I need to change address, how do I do this?
You can update your address in several convenient ways. If you're enrolled in Online Banking or our Mobile Banking App, you can update it yourself within your profile settings. You can also give us a call or stop by any Ellafi branch, and we'll be happy to assist you.
How can I order checks online?
You can order new checks through the desktop version of Online Banking (this feature is not currently available in the Mobile Banking App). If you prefer, you can also give us a call or visit any Ellafi branch, and we'll help you place your order.
How do I get an Official Check?
Official checks are available at any Ellafi branch. There is a $5 fee for each official check issued.
Many financial institutions are offering a 2 day early deposit, does Ellafi offer any such programs?
At this time, Ellafi Federal Credit Union does not offer an early pay program or 2-day early direct deposit for Social Security, pension, or payroll deposits. Funds are made available according to our standard funds availability policy.
What's my member account number?
You can find your account number by logging into Online Banking. If you need additional assistance, please give us a call or visit any Ellafi branch, and we'll be happy to help you locate your account information.
How can I access my account if I am not near an Ellafi branch?
If you’re traveling, away from home, or simply cannot visit an Ellafi branch, you still have convenient ways to access your money. Through the CO-OP Shared Branch and ATM Network, you can visit thousands of participating credit unions and ATMs nationwide to make withdrawals, deposits, check balances, and complete other everyday transactions just like you would at an Ellafi branch.
To find a Shared Branch or surcharge-free ATM near you, visit our Shared Branch & ATM Finder:
https://www.ellafifcu.org/empower-learn/shared-branch-atm-finder/
You can also locate nearby Shared Branch and ATM locations online, through the CO-OP mobile app, by texting your ZIP code to 91989, or by calling 888-748-3266.
How does someone wire money to my Ellafi account?
To send a wire transfer to your Ellafi account, the person or financial institution sending the wire will need Ellafi’s incoming wire instructions. Be sure the information provided is accurate to avoid delays.
For incoming domestic or foreign wires, provide the following information:
Financial Institution:
Ellafi Federal Credit Union
524 South Main Street
Middletown, CT 06457
Routing Number: 211177829
Final Credit: Member’s name and account number
For more information about incoming and outgoing wire transfers, including what information is needed to send a wire from your Ellafi account, visit:
https://www.ellafifcu.org/blog/how-to-make-a-wire-transfer/
Please contact Ellafi if you have questions or need assistance completing a wire transfer.
Do I Need to Make an Appointment for Notary Services?
Ellafi Federal Credit Union offers complimentary notary services for our members. While appointments are not required, we recommend scheduling one in advance to ensure a notary is available when you arrive. You can conveniently make an appointment online for any of our branch locations before your visit.
How do I make an appointment?
Want to meet with someone at Ellafi? Scheduling an appointment is a convenient way to make sure we have time set aside to help with your needs. Whether you have questions about your account, want to apply for a loan, need assistance with a product or service, or simply prefer a scheduled time to connect, you can choose a date and time that works best for you.
You can also call us at (860) 346-6614, and our team will be happy to assist you.