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Personal Banking

Check Services

We do offer temporary checks.  Please review the options below:
  • Option 1. Visit any of our branch locations
  • Option 2. Call us at 888-800-3328
  • Option 3. Send us an email to mail@firstent.org.
You may order checks by logging onto your account through online banking.
  1. Go to "Account Services"
  2. Select "Reorder Checks" in the "Checking Services" box.
If you need to change the name or address on your checks, we will need to place the order for you. You can call us at 888-800-3328 or email us at mail@firstent.org to order checks. We will need the following information:
  • The starting number for your checks
  • How many boxes you would like
  • What should be included on the imprinted portion
There is a fee to order checks, and the amount varies depending on the style of the check.
We do accept foreign checks for deposit; however, there is a processing fee. Once we receive the foreign item, the conversion process can take up to three months. Please do not deposit foreign checks through mobile banking or through the ATM.
  1. Option 1: The check may be brought into any of our branches for deposit.
  2. Option 2: The check may be mailed to First Entertainment Credit Union, PO Box 100, Hollywood, CA 90078.
There are various options to place a stop payment on a check or range of checks
  1. Log onto your account through Digital Banking or our Mobile App
  2. Select More Services
  3. Select Stop Payment & Reorder Checks
  4. Place a stop payment on a check or range of checks
You can also call us at 888-800-3328 to place the stop payment or email us at mail@firstent.org with the check number, amount and payee. A stop payment can be placed on a single check or on a range of checks.  There is a fee for this service. See our Fee Schedule for more information.
All payees listed on a check must sign the check that is deposited or cashed, and must be a joint owner on the account, present a valid government-issued identification or have their endorsements guaranteed by another financial institution. All multiple party checks without proper identification are subject to being returned.  

Checking Accounts

There are two different ways to apply for a Checking account, depending on whether you are a member or not. Non-members: Navigate to firstent.org and click "Open an Account". Select the type of account you are opening. Add the First500 Savings account and then the preferred checking account (Value or Advantage). Follow the steps to apply for a Checking account. Members: Follow the steps below to apply for a Checking Account.
  1. Login to your digital banking account
  2. Navigate to "Open New Accounts"
  3. Click "Open New Checking"
  4. Click on "Apply Now"
  5. On the right side panel, select "Checking Accounts"
  6. Choose the account of your choice (Value or Advantage) and click "Apply"
  7. Select a funding account
  8. Enter a deposit amount (if you would like to open the account without funding it, enter "0"
  9. Choose whether you would like a debit card or not (Optional)
  10. Enter your employer name (Optional)
  11. Select your preferred contact method (Optional)
  12. Check the box on the bottom left if you accept the Terms & Conditions and select "Finish"
You may change your checking account from Advantage Checking to Value Checking, or vice versa, at any time. Please use any option below to let us know and we will make the change for you.
  1. Option 1: Email us at mail@firstent.org
  2. Option 2: Call us at 888-800-3328 .
Please schedule an in-person or phone appointment. Click here to Book an Appointment to skip the line.
Overdraft protection can be set up through Digital Banking or our Mobile App. 
Digital Banking 
  1. Select More Services 
  2. Click Opt-in to Overdraft 
  3. Scroll down to review the service fee 
  4. Here is where you can select to opt in or out. 
  5. Select I Agree
  6. Click Save 
Mobile App 
  1. Click on More located on the bottom tool bar
  2. Select More Services 
  3. Click Opt-in to Overdraft 
  4. Scroll down to review the service fee 
  5. Here is where you can select to opt in or out by clicking on Enroll
  6. Select Save
Yes, there is a $50 minimum balance requirement that must be collected at the time of account opening. 
Only deposits will be accepted for a Coogan Account. No withdrawals may be made from the account until the beneficiary (minor) reaches 18 years old or is emancipated.
You may log into your digital banking account or contact us at 888-800-3328. 
By accessing digital banking, online account openings will promptly appear in your digital banking account.
You can view your transaction history via Digital Banking or our Mobile App by selecting the account you want to review. 
A Coogan account can be opened online by clicking here. 
Your payroll department should be able to assist you with Direct Deposit. They will need your credit union account number as well as our routing/transit number, which is 322274158.
If you would like the Direct Deposit to post to your checking account, please provide them with the 14-digit checking account number that can be found by logging into your Mobile app> selecting the account > Account Details. You can also find your account number printed on the bottom of your checks, you will first see our routing number, followed by some punctuation, and then the 14-digit checking account number.  
Coogan check deposits may be made in the following ways:
  1. Direct Deposit: Direct deposit may be set up, if the child's payroll company offers the service.
  2. First Entertainment Location: Click here to Book an Appointment to skip the line.
  3. Mail: You can mail your check deposit to First Entertainment Credit Union, PO Box 100, Hollywood, CA 90078. Include a deposit slip. If you do not have one, you can print one out by clicking on the "Forms" tab on our website.
  4. Shared Branch: To make a deposit through a shared branch, go to  ATMs and Co-Op Branches to locate an ATM or shared branch near you.
Non-employer deposits (personal funds, birthday gift checks, etc.) may also be deposited to Coogan accounts.  Please remember that all deposited funds become the property of the minor and cannot be withdrawn except under established Coogan rules.
You may make withdrawals through the ATM and through any Shared Branching location. To make a withdrawal through an ATM or shared branch, go to  ATMs and Co-Op Branches to locate an ATM or shared branch near you. 
You may also come into any of our First Entertainment branch locations to withdraw cash. Click here to Book an Appointment  to skip the line.
Here's a step-by-step process for adding a card to a digital wallet:
  1. Choose a Digital Wallet App
    • Select a digital wallet app of your choice that supports card storage and mobile payments. First Entertainment supports Apple Pay, Google Pay, and Samsung Pay.
  2. Open the Digital Wallet App
    • Launch the digital wallet app on your smartphone or mobile device. Make sure you have the latest version of the app installed.
  3. Tap on "Add Card" or Similar Option
    • In the app's main menu or settings, locate the option to "Add Card", the "+" sign, or something similar.
  4. Choose the "Debit or Credit Card"
    • Select the type of card you want to add: credit card or debit card.
  5. Enter Card Details
    • Use your device's camera to scan the card, or manually enter the card information, including the card number, expiration date, and cardholder name. You may also need to enter the CVV code.
  6. Verify the Card
    • Depending on the app, you might need to verify the card to prove your ownership. This can be done through SMS, email, or a call to the bank.
  7. Agree to Terms and Conditions
    • Review and accept the terms and conditions for using the card in the digital wallet.
  8. Start Using Your Card
    • You are now ready to begin using your card.
The monthly service fee for our Value Checking can be waived by signing up for eStatements. The monthly service fee for our Advantage Checking can be waived with maintaining the minimum balance requirement. There are no monthly service fees or minimum balance requirements for our Teen Checking. Please see our Consumer Schedule of Fees for more information. Please see our Business Schedule of Fees for more information on our business checking fees and how to prevent them.
  • You must be a member of First Entertainment or become a member and have a Prime Savings account.
  •  Eligibility is based on Chexsystems qualification and requirements.
  • To apply for a Checking account or for more information regarding our checking accounts, please visit our Checking Account page for more information.
To apply for a Youth account, navigate to firstent.org and click "Youth Savings Account" under "Personal". Select "OPEN AN ACCOUNT" and you will be routed to enter eligibility information, along with selecting the available products.
You can quickly transfer funds from your loan account to a checking account in Digital Banking, by phone, or at one of our branches.
If you're looking to set up Direct Deposit, Automatic Loan Payments or Transfers, or just want to reorder checks, it is important to provide the correct account information from Digital Banking:
  1. Login to your account
  2. Select Checking Account from dashboard
  3. Click Details
  4. The 14 digits listed under Electronic Account Number is your account information

Debit Cards

To block your debit card, please follow the steps below:
  1. Log in to Digital Banking on either your mobile device or desktop computer.
  2. Go to "Card Management," then select "Manage Your Cards."
  3. Choose the specific card you wish to block.
  4. Under the "Block/Unblock Card" drop-down menu, slide the toggle to block your card.
  5. Confirm your decision to block the card.
  6. Your card is now blocked and cannot be used.
Due to fraudulent activity, our debit cards CANNOT be used for Signature ("credit") or PIN-based transactions in Romania. Debit cards can ONLY be used for PIN-based transactions in Thailand.  They cannot be used for Signature-based transactions. Our cards are blocked from use in Iran, Sudan and Syria, as well as other OFAC sanctioned countries.
If you apply for a Teen Checking Account, the minimum age limit is 16 years old. For more information on our Teen Checking Account please see below steps.
  1. Visit our firstent.org website
  2. Select "Banking" header on the home page
  3. Under Checking & ATM's, select Checking Accounts
  4. Click on Teen Checking to learn more
To dispute a Debit card transaction which has cleared your account, please follow the below steps.
  1. On firstent.org, select Forms on the Home Page.
  2. Scroll down to "Disputed Transactions (DEBIT Card)". You will find three forms listed under this heading.
  3. Choose the one that best fits your situation and complete the form.
We do not charge a fee for using your debit card in a foreign country to make a purchase. We do have an out-of-network fee for ATM withdrawals. However, there is a 3% International Service Assessment (ISA) fee which is charged by Visa on purchases and ATM withdrawals. Please see our Schedule of Fees.
There are various ways you can report a Debit Card lost or stolen.
  • You can report a Debit Card as lost or stolen by calling 800-544-7716
  • You may visit any or our First Entertainment branch locations and report a debit card lost or stolen.
  • You can report your debit card lost or stolen via online.
You have two options to report a lost or stolen debit card online. Either through Digital Banking or Mobile App. Digital Banking Option:
  1. Login to Digital Banking and select Card Management
  2. Select Card Management
  3. Click on Manage your cards.
  4. Choose the card you want to block.
Mobile Banking Option:
  1. Login to Mobile Banking
  2. Click on More Services
  3. Select Card Management
  4. Click on Manage your cards.
  5. Choose the card you want to block.
To request a debit card, please contact us via digital banking by logging into your account and clicking the envelope at the top right to send us a secure message. This request can also be submitted via chat at firstent.org or by calling us at 888-800-3328.

Savings & Certificates

There are many options to open a First 500 Savings Account
  • Option 1. Visit any of our branch locations
  • Option 2. Call us at 888.800.3328
  • Option 3. Visit our website at Firstent.org
To open an account online, please follow the below steps:
  1. Visit Firstent.org
  2. Select "Open an Account" on the Home Page
  3. Select Personal Account
  4. Follow the steps on the screen by first selecting your eligibility
It can be viewed on your monthly statement or by logging into your account online and reviewing the transaction activity for each account. To view online, please follow the steps below:
  1. Open a web browser and go to Firstent.org.
  2. In the top right-hand corner of the webpage, click 'Login.'
  3. Enter your username and password.
  4. On the right-hand side of the dashboard, under 'Quick Links,' click on 'Rates.'
  5. Click on the link for Savings, Checking, Money Market, IRA & HSA rates."
Withdrawals can be made over the phone by contacting us at 888-800-3328 or in person at one of our branch locations. Click here to Book an Appointment  at our First Entertainment locations to skip the line.
There is a penalty of 90 days of dividends on the amount being withdrawn if the withdrawal is made before the certificate's maturity date.
Click here to review our Term Savings Certificates.
Our digital banking offers a certificate maturity option (auto-renew, or close and transfer to their checking or savings account).
  1. Click on the certificate account
  2. Click on Certificate Details
  3. Click on the Pencil under Maturity Payment Method to make changes to auto-renew, or close and transfer funds to checking or savings account
There is a penalty of 90 days of dividends on the amount being withdrawn if the withdrawal is made before the certificate's maturity date.
You may log into digital banking or contact us at 888-800-3328. 
Funds must be deposited into your First Entertainment account through the following channels in order to fund the Term Savings Certificate: 
  • Electronic funds transfers 
  • Wire transfers 
  • Mobile deposit 
  • In-person deposits 
For Members: To open a Term Savings Certificate, follow the steps below:
  1. Login to Digital Banking
  2. Navigate to "Open New Accounts" and select "Open New Term Savings Certificate (CD)"
  3. Click "Apply Now" and then "Term Savings Certificate (CD)"
  4. Select one of the CDs from the list by clicking "Apply"
  5. Select a funding account from the drop-down list
  6. Enter an opening deposit amount
  7. Check the box on the bottom left if you agree to the Terms & Conditions
  8. Click "Finish"
For Non-Members: To learn more or make an appointment, visit a branch or call us. Contact details can be found in the footer of our website.
There are two different ways to apply for a Savings account, depending on whether you are a member or not. Non-members: Navigate to firstent.org and click "Open an Account". Select the type of account you are opening. Add the First500 Savings account and follow the steps to apply for a Savings account. Members: Follow the steps below to apply for a Savings Account.
  1. Login to your digital banking account
  2. Navigate to "Open New Accounts"
  3. Click "Open New Savings"
  4. Click on "Apply Now"
  5. Select the Savings account you are applying for (Special Savings or Money Market)
  6. Click "Apply"
  7. Choose the funding account
  8. Enter a deposit amount (if you would like to open the account without funding it, entering "0". This does not apply to Money Market accounts)
  9. Click "Finish"
Yes – and no. Currently, terms range from six (6) months to sixty (60) months, but the duration you select is up to you.3 Short-term CDs are great if you think you’re going to need access to the money in a few months' time, while longer terms tend to have better interest rates which is great if you don’t anticipate needing the funds anytime soon.
Yes. A minimum deposit of $1,000 is required to open.
Similar to Savings and Money Market Accounts (MMAs), Term Certificates are federally insured by NCUA up to $250,000. Where they differ is in the accessibility of the funds. Savings and MMAs allow you to deposit or withdraw funds at any time. Term Certificates are timed accounts, meaning the funds on deposit are not available for a specified length of time.1 The upside is it yields higher rate that’s fixed for the duration of the term. One of the key benefits of Term Certificates is laddering. Before you head to the hardware store, let us explain. Laddering is when you divide your initial investment into equal parts and deposit each portion into a separate Term Certificate so that one matures every year. That way, you can take advantage of longer terms (and therefore higher interest rates) while still having access to some of your money each year.2

Zelle

  1. Members who wish to use Zelle for the first time at First Entertainment will need to enroll in the service before they may send or receive funds. Before enrolling a token, the member needs to meet the eligibility requirements below:
    • Must have a personal checking account (Value or Advantage)
      • Note: Savings accounts, Coogan Accounts, Trust Accounts, Money Market Accounts, and Business Accounts are not currently eligible for Zelle®
    • Must be age 18 or older
    • Must be enrolled and use Digital Banking
    • Must not have any Court Ordered Blocks
    • Must be eligible to be part of the Zelle® Network
    • Membership extend past 90 days
  2. Log into Digital Banking at firstent.org or through the mobile app
    • On Mobile, click on the Zelle Widget. On Desktop, hover Transfer and Pay, then click Send Money with Zelle.
    • Upon accessing Zelle for the first time, select Get Startedto begin enrollment.
    • Read and accept the program's terms and conditions, and then choose either your email address or phone number as the token you wish to enroll with.
    • After selecting which token you would like to enroll, a one time passcode will be sent to the email address or phone number used
    • The last step is to link Zelle to a personal checking account at First Entertainment and then you’ll be enrolled!
Always keep your personal account information secure. We will never ask you to provide information such as your digital banking user ID, password, or PIN number. We recommend that you only use Zelle® to send and receive money with people you know and trust. Always remember to carefully verify your recipient’s e-mail address or U.S. mobile number before you send money.
These FAQs are for informational purposes and only relate to the Zelle® Network. Zelle® does not provide tax advice. If you have any tax questions about your individual situation, please consult a tax or legal professional. Does Zelle® report how much money I receive to the IRS? Zelle® does not report transactions made on the Zelle® Network to the IRS. The law requiring certain payment networks to provide forms 1099K for information reporting does not apply to the Zelle® Network. Does Zelle® tax me on money that I receive? Zelle® is a payment platform. Zelle® does not impose taxes on transactions made on its network. If payments you receive on the Zelle® Network are taxable, it is your responsibility to report them to the IRS. If you have any questions about your tax obligations, please consult with a tax professional. Will Zelle send me a 1099K form? Zelle® does not issue 1099K forms for payments made on the Zelle® Network. Does Zelle® report any payments I receive over $600 to the IRS? Zelle® does not report any transactions made on the Zelle® Network to the IRS, even if the total is more than $600. The law requiring certain payment networks to provide forms 1099K for information reporting does not apply to the Zelle® Network. If payments you receive on the Zelle® Network are taxable, it is your responsibility to report them to the IRS. If you have any questions about your tax obligations, please consult with a tax professional. I have a small business account. Will Zelle® report how much money I receive to the IRS? First Entertainment does not currently support Zelle® on business accounts. Zelle® does not report transaction activity to the IRS.
Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your First Entertainment Credit Union mobile app using just their e-mail address or U.S. mobile number. Please note, First Entertainment Credit Union does not currently offer Zelle® on business accounts. Neither First Entertainment Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Zelle® does not offer the same protections when shopping as credit or debit cards. Also, always ensure you’ve used the correct e-mail address or U.S. mobile number when sending money.
First Entertainment Credit Union does not currently offer Zelle® on business accounts.
If your recipient has already enrolled with Zelle®, the payment is sent directly to their bank account and cannot be canceled. If the payment is still pending because your recipient has not yet enrolled, you may cancel it. Go to the Activity section within the Zelle® Widget, choose the payment you want to cancel, then select Cancel Payment. If you do not see this option available, please contact First Entertainment Customer Service at 1-888-800-3328, Mon-Fri 8:00 AM–6:00 PM Sat 8:00 AM-3:00 PM, for assistance with canceling the pending payment. We recommend that you only use Zelle® to send and receive money with people you know and trust. Always remember to carefully verify your recipient’s e-mail address or U.S. mobile number before you send money.
If your recipient did not receive your payment, make sure they’ve enrolled an e-mail address or U.S. mobile number with Zelle®. If they have enrolled, check that the e-mail address or U.S. mobile number you used to send money to your recipient is associated with your recipient’s Zelle® profile. If you send funds to someone who is not enrolled, and they do not enroll within 14 days, the funds will be returned to your account and the transaction will be cancelled. You can check the payment status in the Zelle® widget within the Activity section. In some cases, payments may be delayed or blocked for your protection. For additional help, call First Entertainment Customer Service at 1-888-800-3328, Mon-Fri 8:00 AM–6:00 PM Sat 8:00 AM-3:00 PM.
If you sent money to the wrong person, we recommend you contact the recipient and request the money to be returned.
 
Yes, you may use Zelle® at multiple financial institutions, but you may only register a mobile phone number or e-mail address at one institution at a time. Payments will be deposited to the institution where your mobile phone number or e-mail address is currently enrolled.
 
Currently, we do not support recurring transactions using Zelle®.
First Entertainment may send you text messages related to your Zelle® activity (like when you add a new recipient or when you send money to a first-time recipient). First Entertainment text messages related to Zelle® will come from 53608. You can stop text messages related to Zelle® by following the instructions found in the body of the text messages. First Entertainment will need to help verify your identity before processing some Zelle® payments, including when you send money to a first-time recipient. This step requires us to send you a text message code.
For a full list of participating financial institutions, visit zellepay.com/partners. If your recipient does not have an account with a Zelle® participating financial institution, you can still use Zelle® through First Entertainment Digital Banking to send them money from your personal account. They can use the separate Zelle® app to receive the money, subject to eligibility requirements and terms and conditions. To send money to an eligible small business, both parties must be enrolled with Zelle® directly through their financial institution's online or mobile banking experience. Remember to only use Zelle® to send money to friends, family, and people you know and trust.
Once your recipient enrolls either a U.S. mobile phone number or e-mail address with Zelle®, payments are typically delivered within minutes. If you send money to someone who isn’t enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be sent directly to your recipient’s account, typically within minutes. If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct e-mail address or U.S. mobile phone number. If you’re waiting to receive money, you should check to see if you’ve received a payment notification via e-mail or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct e-mail address or U.S. mobile phone number.
Sending limits: For your security, we restrict the amount of money you can send to recipients. The amounts you can send will vary based on your funding account, your recipient, your account and online banking history, and the payment history for each recipient. For questions about your limits, please contact First Entertainment Customer Service at 1-888-800-3328:, Mon-Fri 8:00 AM–6:00 PM Sat 8:00 AM-3:00 PM. Receiving limits: We do not limit how much money you can receive with Zelle® using your e-mail address or U.S. mobile phone number. However, the sender may be subject to limits on how much they can send you, based on the policies of their financial institution or payment network. For more information about the Zelle® service, see the Zelle Network® User Agreement. Any limits in place apply only to Zelle® payments when initiated from First Entertainment Digital Banking or the First Entertainment Mobile app.
First Entertainment does not charge a fee to send or receive money with Zelle®. However, when using Zelle® on a mobile device, your mobile carrier’s message and data rates may apply.
You are protected in the unlikely event an unauthorized user accesses your consumer accounts and initiates payments using First Entertainment Digital Banking. We also employ fraud mitigation technology to minimize the risk of fraud. Note: Because Zelle® is intended to replace instances where cash and checks are being exchanged, you do not have the same protections associated with a credit card or a debit card transaction. Once you send money with Zelle®, you cannot cancel the payment if your recipient has already enrolled. Neither First Entertainment nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected. We cannot guarantee a return of funds once you send them using Zelle®. We recommend you only send money to known and trusted recipients when using Zelle®.
Zelle® is accessible through the Zelle® Widget within the First Entertainment Digital Banking application or desktop site. You do not need to download a separate app to use Zelle®.
Take note of the error code received and contact First Entertainment Customer Service at 1-888-800-3328, Mon-Fri 8:00 AM–6:00 PM Sat 8:00 AM-3:00 PM for additional assistance.
Follow these steps to send money with Zelle:
  1. Click on the Zelle® widget - sign on to First Entertainment Digital Banking, then click on the Zelle® Widget. If you’re not yet enrolled, you’ll be asked to accept our terms and conditions and enroll an e-mail address or U.S. mobile number, and link a deposit account so you can receive money with Zelle®.
  2. Add or select recipient - to add a recipient, select the “ + ” icon at the upper right of your screen and enter your recipient’s information. If your recipient is already in your list of recipients, select their name (on a smartphone) or the arrow to the right of their name (on a desktop or tablet) to continue.
  3. Enter amount and select your funding account - choose an account to fund your payment. Next, select Continue.
  4. Review and send - carefully review the details of your payment before you send it. If it’s the first time you’ve sent money to this recipient, we will send you an access code to help verify your identity. If your recipient’s U.S. mobile phone number or e-mail address is enrolled with Zelle®, we’ll display the name of the recipient on record before you continue (in some cases, this may only be a first name). After you send your payment, you’ll get a confirmation with the details of your payment.
  5. Recipient is notified - your recipient will be notified by e-mail or text message with the details of your payment and instructions on how to enroll to receive the money with Zelle® if they have not yet enrolled. If they have already enrolled, the payment will be deposited to their account, typically within minutes.
  6. Recipients must enroll to receive money - if your recipient is not enrolled with Zelle®, they’ll need to enroll to receive money. They will have fourteen (14) days to complete their one-time enrollment using the same e-mail address or U.S. mobile number you used to send them the payment. If your recipient does not enroll with Zelle® within 14 days, the money will be returned back to your account.
If you previously enrolled with the same mobile phone number or e-mail address at another financial institution and attempt to enroll again at First Entertainment, you will be asked if you wish to transfer the accounts where your payments will be sent. If you agree to transfer the financial institution where your funds will be sent, future payments will automatically be deposited to your account at that institution.
 
When you enroll your e-mail address or U.S. mobile number with First Entertainment to receive money with Zelle®, you are establishing a connection between the e-mail address or U.S. mobile number and your checking account where we will deposit your money. When someone sends you money, they use your enrolled e-mail address or U.S. mobile number. Once the payment is processed, we will automatically deposit the funds into that account.
 
Zelle® is currently available to members with a personal checking account (Value or Advantage), who are 18 years of age or older, and who are in good standing. Zelle is currently not supported on savings accounts, business accounts, trust accounts, Coogan accounts, or money market accounts. For full program details, consult the Zelle Network® User Agreement available on our Disclosures page.
 
  1. Fake Fraud Alerts Texts Verifying Zelle®. Recently, some members have reported receiving fraud alert texts regarding Zelle® transactions. This alert is not from the credit union. It is coming from fraudsters impersonating us to acquire members’ online banking information. If successful, they may use Zelle® to begin sending money from the members’ accounts to their account.
  2. Depositing Checks from Unknown Sources. Fraudsters ask for a check to be deposited into your account and promise you can keep some of the money. The checks are often counterfeit and will be returned by the financial institution even after funds were made available.
  3. Requests for Personal Account Information: Scammers may mimic an account alert via email or text or call and pose as a First Entertainment employee so they can gain information like passwords or one-time passcodes and access your account.
  4. Offering an Item for Sale OnlineCyber criminals may offer something for sale and then ask for money to be sent as a deposit or for shipping and processing fees.
  5. Online Job PostingsFraudsters may advertise false opportunities on job boards or social media. They will then send applicants a bad check to be deposited into their account. The fraudsters then request that a portion of the funds be immediately returned due to overpayment or for supplies, etc. The check is usually returned as fraudulent.
  6. Lottery SchemesFraudsters claim that they have won the lottery and offer to share a portion of the winnings if you to pay a processing fee or send a portion of funds back after using the same check deposit scheme above.
Zelle Emotional Scare Tactics In these scenarios, scammers create fake stories to drive an emotional reaction, such as:
  • Excitement: People often enter and win sweepstakes. Scammers will say you need to pay a fee before they can send your prize.
  • FearTaxpayers sometimes owe money to the IRS, but the IRS doesn’t accept payments via Zelle®.
  • CompassionFriends and relatives sometimes ask for money. It’s a major red flag when someone pressures you to keep the transaction a secret.
Zelle® and other popular digital payment apps make sending or receiving money convenient. But criminals are taking advantage of the platform to scam people into sending them money. Here are a few tips to protect yourself and your money when using peer-to-peer digital payment services like Zelle®:
  1. Treat Zelle® like cash. Zelle® does not offer a protection program for authorized transactions that turn out to be fraudulent, and once you hand over payment, it is difficult or impossible to get it back.
  2. Send money only to people you trust. Never send money to any stranger who contacts you through social media, claims to be from a government agency or First Entertainment, or asks you to send money to yourself.
  3. Never share your log-in credentials. Refrain from sharing your Digital Banking user ID or password with anyone under any circumstances.
  4. Double-check your payment details. If you erroneously send money to the wrong person or in the incorrect amount, or as a part of a scam, it may be impossible to get back.
  5. Use unique credentials. Protect your account by using a unique password within the First Entertainment mobile app. It is easier to use one password across many apps, but that heightens your vulnerability.
  6. Get familiar with the interface. Zelle® is primarily used for quick payments, and when you use it for the first time, you may make errors. Practice using the service by sending and receiving $1 with a trusted family member or friend.
  7. Raise a red flag on urgent payment requests. Sense-of-urgency and scare tactics are major red flags, such as a caller claiming to be from a company you do business with and threatening to shut off service if you don’t make a payment immediately.
  8. Protect your accountIf your phone has been lost or stolen or if you notice suspicious activity with your online accounts, contact First Entertainment Member Services at 888.800.3328 or fill out the Zelle® Dispute Form.
You can use Zelle® to send money to almost anyone with an eligible U.S.-based bank account. Eligibility requirements may vary depending on where your recipient banks. For your protection, you should only use Zelle® when sending money to people you know and trust, such as friends and family. (Note: You can't use prepaid cards to send money with Zelle®.) Check with your recipient to ensure their correct e-mail address or U.S. mobile phone number is enrolled in Zelle® so they can receive money.
Zelle® is an easy way to send money directly between almost any U.S. bank account, typically within minutes. With just an e-mail address or mobile phone number, you can quickly, safely and easily send and receive money with more people, regardless of where they bank. When you enroll with Zelle® using First Entertainment Digital Banking, we establish a connection between your e-mail address or U.S. mobile phone number and your eligible First Entertainment checking account.