Account FAQs

When you view your account balance, you see the current available balance. When you view transaction history, you see the most recently posted transactions.

To update your information, please fill out a Change of Address Form and mail it to: CCFBank, P.O. Box 218, Altoona, WI 54720. You may also update your information by contacting our Customer Service Center at 800-590-9920. Email addresses and phone numbers may be updated in online banking.

On debit card purchases, merchants may request a temporary hold on your account for a specified sum of money when the merchant does not know the exact amount of the purchase at the time the card is authorized. The amount of the temporary hold may be less than or more than the actual amount of your purchase. Some common transactions where this occurs involve purchases of gasoline, hotel rooms, or meals at restaurants. When this happens, our processing system cannot determine that the amount of the hold exceeds the actual amount of your purchase. This temporary hold, and the amount charged to your account, will eventually be adjusted to the actual amount of your purchase, but it could be three calendar days, or even longer in some cases, before the adjustment is made. Until the adjustment is made, the amount of funds in your account available for other transactions will be reduced by the amount of the temporary hold.

An overdraft occurs when you do not have enough money in your account to cover a transaction (“item”); however, the Bank pays it anyway. A nonsufficient funds (“NFS”) transaction is different in that you do not have enough money in your account to cover the item and the Bank will return it to the merchant or third party as unpaid. In either situation, the Bank can charge you a fee.

If the Bank pays an item into a negative balance (overdraft), we will assess an Overdraft Fee. If the Bank returns the item (NSF), we will assess a Nonsufficient Funds (NSF) Fee. These fees apply to overdrafts created by checks, in-person withdrawals, ATM withdrawals, debit card transactions or other electronic means. The Bank does not charge a fee if an item overdrawing your account results in a negative balance between $0 and $5.00. The Bank may charge you a NSF Fee each time a payment is presented if the amount of money in your account is not sufficient to cover the payment, regardless of the number of times the payment is processed.

To determine if an item will be paid as an overdraft or returned NSF, the Bank uses the “available balance” method. Your available balance is calculated by subtracting any authorized or pending transactions and “holds” place on deposit from your actual balance. This means an overdraft can occur regardless of your account’s actual balance.

You will need to have your address, phone number, email, and social security number. You must also present a valid form of identification, such as a driver’s license, state ID, or passport. If your driver’s license or state ID does not show your current address, you will need to provide a utility bill, mortgage statement/note, or lease agreement that displays your current address as proof of residency.

You must be 18 years or older to open an account.