Checking Accounts

Overdraft and Courtesy Pay

Loans

Checking Accounts

How do I order new checks?

We offer a quick and simple online ordering process through our supplier, Harland Clarke. It's as simple as ordering them in person or over the phone.  Order checks online at your convenience or call Harland Clarke toll-free at 1.800.275.1053 24 hours a day, 7 days a week.
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How do I choose a checking account?

We have a range of checking account options tailored to the needs of our members. There are no-fee accounts and accounts with no minimum balances. There are also accounts that earn dividends, or may have balance or other requirements. Please explore our Checking & Savings to see all of the options, or talk to our Member Service Center at (210) 258-1234 or toll free at 800-688-7228.

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What are my options for overdraft protection?

Credit Human provides a number convenient options.  Learn more about your overdraft protection options.
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When I deposit checks, how long until the funds are available to me?

Check our full funds availability policy (PDF) for details.
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What's the difference between my balance and available balance?

Items may be held against your balance for a number of reasons. Learn more about pending items and the difference between your current balance and your available balance.
 
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Overdraft and Courtesy Pay

What is Courtesy Pay?

Courtesy Pay is another option for overdraft protection. Courtesy Pay is designed to help members when other alternatives have been exhausted.  Learn more about overdraft protection options.
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How much does Courtesy Pay cost?

There is no cost if you do not use the service; however, you will be charged our standard non-sufficient funds/overdraft (NSF/OD) fee of $25.00 for each item we pay. “Use” means you initiate an overdraft or non-sufficient funds transaction.
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Are there other additional overdraft protection services to cover non-sufficient funds (NSF) or overdraft (OD) situations?

Yes. You can apply for a Credit Human Line of Credit or request to have your savings or money market account set up for automatic fund transfers. The structure and features of these services differ from Courtesy Pay. To learn more about a Line of Credit call us at (210) 258-1234 or 800-688-7228 or visit one of our Credit Human locations.
Overdrafts should not be used to pay ordinary or routine expenses and you should not rely on overdrafts as a means to cover these expenses.  Avoid using this service as a short-term loan.
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How quickly do I have to deposit funds to cover an overdraft?

You should bring your checking account to a positive balance as soon as possible. If you are unable to immediately bring your checking account to a positive balance, you will receive notices from us informing you of the situation and your options. If your account is still negative after 44 days, your account will be closed and reported to a consumer reporting agency and further collection efforts may begin.  If you are unable to pay the balance in full within 44 days and the negative balance was the result of Courtesy Pay, Credit Human may agree to set you up on an installment plan with up to four substantially equal monthly payments at a 0% interest rate.
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I have a joint owner on my account, but I don’t want them to have overdraft coverage. Can my debit card be opted in and another card opted out?

No, overdraft coverage cannot be split. Overdraft coverage applies to the account, not to individual cards.
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What accounts are not eligible for Courtesy Pay?

Savings accounts, public fund/charitable organization accounts, certain trust accounts, deceased member accounts, student minor accounts, and any other accounts for individuals under the age of 18 are not eligible for this service. We may, at our sole option and discretion, limit the number of your accounts eligible for Courtesy Pay to one account per household and/or one account per taxpayer identification number.
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What if I don’t want Courtesy Pay?

You may choose to opt-out of Courtesy Pay by visiting any Credit Human location or calling our Member Service Center at (210) 258-1234 or 800-688-7228.  Without Courtesy Pay, your insufficient funds items may be returned to the payee and/or declined at the point of purchase. You will still be charged the standard NSF/OD fee of $25.00.
 
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What if I overdraw more than the limit?

In most instances, any item that exceeds the Courtesy Pay limit will be returned NSF/OD and the standard fee of $25.00 will be charged to your account.
 

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Why do I have to provide prior authorization for ATM and one-time debit card transactions to be covered by Courtesy Pay? How do I provide this authorization?

Federal regulation requires that we obtain your prior authorization to pay these items. If you would like to provide authorization for us to pay these items, please visit any Credit Human location or call our Member Service Center  at (210) 258-1234 or 800-688-7228.
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Loans

How do I apply for a loan with Credit Human?

Already a member?
Take advantage our streamlined application by logging into your online banking account.  Once in online banking choose Apply for a Loan in the Products and Offers menu to get started.

Members without online banking access can apply using the non-member links below.  In this process you will open an additional Credit Human membership account which requires a $5 minimum deposit.

Not yet a member?
Use the links below to complete the online loan application and apply for Credit Human membership during the process.   Once a member, you'll become a part of a powerful financial cooperative with access to products designed with you in mind.

Credit Card Application

Home Loans Application

Personal Loan Application

Vehicle Loan Application

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How can I find out about loan rates at Credit Human?

Our loans offer competitive rates, which are subject to change without notice. You can find our current loan rates published online or by calling our Member Service Center at (210) 258-1234 or toll free at 800-688-7228

Published rate information is not a commitment to make a loan, nor is it a guarantee that you will receive a specific rate if approved. Factors that may affect loan rates may include, but are not limited to, your credit rating, the loan amount and term, or other factors specific to the type of loan you are pursuing.

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How do I make a payment on my loan?

Learn various ways you can make a payment on your loan by visiting the Ways to Pay page.
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What if I have questions about my loan?

If you have a loan with Credit Human, or need help with loan questions, please call our loan specialists, available Monday - Friday 7 a.m. to 7 p.m., or Saturday 9 a.m. to 3 p.m. If you need to report a servicing issue, to file a complaint, or get more information regarding an Credit Human loan, contact us by mail or email.

Loan Inquiries by Phone
Toll Free: 800-667-7228
San Antonio (210) 258-1234

Loan Inquiries by Email:
memberservicecenter@credithuman.com

Loan Inquiries by Mail:
Attention: LDS-Service Fulfillment
Credit Human
P.O. Box 1356
San Antonio, TX 78295-1356
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Can I skip a payment on my loan?

Signature loans and vehicle loans that are in good standing may qualify to skip a payment. Skipping a payment without incurring a fee is available only in online banking. Complete the following steps to check if your loan is eligible:
  1. Log into online banking  
  2. In Account Balances select the Loans tab
  3. Click the gear to the left of your loan ID
  4. Account Actions will appear, select Skip a Payment
A pop-up will appear informing you of your eligibility. If the loan is eligible, complete the skip payment process.
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