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Saturday December 13, 2025: Please note that our Studio City Branch, Culver City Branches, and our Member Experience Center will be closing at 12:00 pm on Saturday, December 13. ... Read more

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Saturday, December 13, 2025: Digital banking will undergo scheduled maintenance and will be inaccessible from 10:00 P.M. – 4:00 A.M. PST. We apologize for any inconvenience this may cause. ... Read more

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Personal Banking

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Check Services

A Direct Deposit Verification letter can be printed and picked up at any of our branches, or can be mailed to you.  If you would like it mailed please call us at 888-800-3328.  Let us know if it is for your savings or checking account.
You may come into any of our First Entertainment branch locations to cash a check.  Click here to Book an Appointment  to skip the line.     

Stop Payment on Draft Checks:

  1. To place a stop payment on a draft check, make sure the check has not cleared first. Then obtain the check number in Partnercare (if you do not have access to Partnercare, ask your manager).
  2. Enter Stop payment information on Symitar:
    • Enter the transaction code SP SW
    • Select Stop payment type > Share or Loan 
    • Select the checking share attached to bill pay
    • Enter the effective date, or accept the default
    • Enter the expiration date, or accept the default
    • Enter draft sequence number
    • Enter Payee name if known
    • Enter the stop payment fee ($15)
    • Select the share to pay fee from
    • Complete the fee withdrawal
  3. Recap the stop payment information with the member and post the transaction

Stop Payment for Corporate Checks:

  1. Check images processed via corporate check will not be available to us. The member will need to request the check image and process the stop payment by contacting bill pay directly, by calling (888) 918-7483.
To place a stop payment on a Cashier's Check, you have several options: 
  1. Forms Online: Visit our https://www.firstent.org/forms/
     
    Select "Forms" and then click on "CU Issued Check Stop Payment Request" Once you click the link, you’ll be directed to a landing page. Here's what to do next:
    • Enter your full name and email address to begin the process.
    • If you're new to DocuSign or don’t have an account, no worries! You’ll be prompted to adopt a digital signature before completing the form.
    • Please ensure all required information is completed, sign and submit the form.
  2. Visit one of our branches or call 888.800.3328 with the check number, amount. and payee.
There is a fee for this service. See our Fee Schedule for more information. Please note, a stop payment on Cashier's Check can only be placed if lost, stolen or destroyed.  
You may come into any of our First Entertainment branch locations to cash a check.  Click here to Book an Appointment to skip the line.   
You may make a deposit with cash back through any First Entertainment ATM or any deposit taking Shared Branching ATM and location. Click 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 make a deposit with cash back.  Click here to Book an Appointment to skip the line. *All deposits are subject to our funds availability policy.   
You may come into any of our First Entertainment branch locations to withdraw coin.  Click here to Book an Appointment  to skip the line.
 
Deposits may be made in the following ways:
  1. Mobile Deposit:  Please load our Mobile Banking app from either the App Store or Google Play.

Step 1: Once you are logged into your account on the mobile app, click Deposit located on the bottom tool bar.

Step 2: Ensure your check is properly endorsed. Then select Got it, Let's go.

Step 3: Select the deposit account.

Step 4: Enter the deposit amount.

Step 5: Click on the camera icons to take pictures of the front and back of the check.

Step 6: Click Submit Deposit.

Step 7: After deposit is complete, keep the physical check for 30 days before destroying it to make sure the check posts properly.

  1. ATM or Shared Branch:  To make a deposit through an ATM or shared branch, go to  ATMs and Co-Op Branches to locate an ATM or shared branch near you. When depositing at a FirstEnt ATM, you can deposit up to 10 checks at a time, without the need of an envelope. The ATM will read each check independently, and will provide a total sum of the checks deposited.
  2. 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. Additionally, please add the member number along with the share number on the back of the check and deposit slip.
*All deposits are subject to our funds availability policy. 
Loose change or rolled coins can be deposited at one of our First Entertainment locations. Click here to Book an Appointment  to skip the line.  
*Coins should be rolled if they amount to the quantity required for a roll. Please note, mutilated coins and cash are subject to acceptance based on regulations issued by the Department of Treasury.
Cashier’s check withdrawals can be made in the following ways: 
  1. Digital Banking: Save time and money by issuing a cashier’s check to yourself by logging into your digital banking via Desktop. The check will be mailed to you and should arrive within 2 to 5 business days. Step 1: Click on Transfer & Pay.
    Step 2: Select Withdraw a Check.
    Step 3: Select From Account, enter Amount and click Submit. 
  2. First Entertainment Location: Click here to Book an Appointment  to skip the line. 
  3. Shared Branching Location: To make cashier’s check withdrawal, go to  ATMs and Co-Op Branches to locate shared branch near you. *Shared branch limits may apply. 
  4. By Phone: Contact us at 888-800-3328 to submit your request. Additional documentation or verification may be required.
We do offer temporary checks.  Please see the below options available.
  1. You may log in to your online banking to request temporary checks be mailed to you.
  2. You may also come into any of our First Entertainment branch locations to obtain temporary checks. Click here to Book an Appointment  to skip the line.
  3. Call us at 888-800-3328 to request temporary checks to be mailed to you.
You may order checks by logging onto your account through online banking. Step 1. Go to "Account Services"

Step 2. Select "Reorder Checks" in the "Checking Services" box.

  • The starting number for your checks
  • How many boxes you would like
  • What should be included on the imprinted portion
 
Yes, there is a fee to order checks, and the amount varies depending on the check style you choose.
To view check styles and fees:
  1. Log in to Digital Banking.
  2. Under More Services, select Stop Payments & Reorder Checks.
  3. Click on Reorder Checks and follow the prompts to browse available styles and see associated fees
We do accept foreign checks for deposit however there is a processing fee. Once we receive the foreign item, the conversion process can up to 10 weeks. Please do not deposit foreign checks through mobile banking or through the ATM. They will be returned, and a fee will be assessed. Option 1: The check may be brought into any of our branches for deposit. Click here to Book an Appointment  to skip the line.  Option 2. The check may be mailed to First Entertainment Credit Union, PO Box 100, Hollywood, CA 90078. Please note, once the check has been received, a form will either be mailed or emailed to complete, in order to process the foreign item. Without the form the request cannot be processed.  
You may submit a stop payment via Digital Banking or by calling us at 888.800.3328.
To place a stop payment on a check or range of checks, you have several options:
  1. Through Digital Banking or our Mobile App
    • Login to your account
    • Select “More Services”
    • Choose “Stop Payment & Reorder Checks”
    • Follow the prompts to stop the payment.
  2. Visit one of our branches or call  888.800.3328 with the check number, amount. and payee.
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. All multiple party checks without proper identification are subject to being returned. With proper endorsements, these checks can be deposited through the following channels:
  1. Mobile Deposit:  Please load our Mobile Banking app from either the App Store or GooglePlay.
  2. ATM: To make a deposit through an ATM, go to  ATMs and Co-Op Branches to locate an ATM near you.
  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. First Entertainment Location or ATM: Click here to Book an Appointment to skip the line.
 

Checking Accounts

Please check your Available Balance before writing a check, using the ATM, or your debit card because it shows you how much is currently available for use at that time. There may be additional funds in your account, but they may have a hold on them. Although these funds are included in your current balance, they are not available for use at that time.
A Direct Deposit Verification letter can be printed and picked up at any of our branches, or can be mailed to you.  If you would like it mailed please call us at 888-800-3328.  Let us know if it is for your savings or checking account.
There is no limit to the number of joint signers you can have on a checking account. If you'd like to add a joint signer, you can do so through any of the following channels:
  1. Video Appointment: Members can book their appointment by clicking here (Hyperlink for the word here: https://firstentertainmentcreditunion.coconutcalendar.com/s/video) and selecting "Add/Update a Joint Owner" under Additional Account Services. Both the primary and joint being added must attend.
  2. Over the phone: Members can call in and request for a joint to be added to their membership. Please ensure that the form is signed by both parties, notarized, and then returned either via email or mail, along with copies of both parties’ current IDs.
  3. Message Center: Members can send a message through their online banking to request a joint being added to their membership. Please ensure that the form is signed by both parties, notarized, and then returned via Message Center, along with copies of both parties’ current IDs.
  4. In Branch:  Click here to Book an Appointment  to skip the line. Please be aware that both the primary member and the joint member being added must be present in person and provide their current IDs.
*NOTE: Only the primary member has the authority to start the process of adding a joint signer. Once the joint signer is added, they become part of the full membership, rather than being tied to a specific share. If you have any further questions or need assistance, feel free to contact us (Hyperlink to be used for "contact us" https://www.firstent.org/help/contact-us/
Need a copy of a deposited check? Here’s how to access it:
  • Branch deposits: View in your online banking account history.
  • Mobile deposits: Available on your smartphone for up to 6 months.
To view a mobile deposit:
  1. Log in to the Digital Banking mobile app.
  2. Tap Deposit in the bottom menu.
  3. Select Activity.
  4. Tap the deposit amount to view the check image.
Need a copy of a specific check? We’re happy to help! You can: You can send us a secure message through Digital Banking, visit any branch (schedule an appointment here), or call us at 888-800-3328, option 2 for Digital Banking. Please include the deposit date and amount so we can locate your check quickly.
You can check your debit card limits by logging into your online banking account.
To have a deposit hold released:
Message Center: Members can send a message through their online banking to request a deposit hold to be released. In Branch: Click here to Book an Appointment to skip the line. Call Us: You may call us at 800.888.3328 to request a deposit hold to be released.  
In order to close a Coogan account, only the beneficiary is able to close the account once they reach the age of 18. They need to provide a valid and current form of identification AND a birth certificate at the time of closing the account.
You may close your Coogan account through the following channels:
  1. In Branch - You may go into any of our First Entertainment branch locations to close your Coogan account. Click here to Book an Appointment  to skip the line.  
  2. Over the phone - You may call us at 888.800.3328 to request to close out your Coogan account
 
Please schedule an in-person or phone appointment. Click here to Book an Appointment to skip the line.  
You may close your checking account through the following channels:
  1.  In Branch: Click here to Book an Appointment to skip the line.
  2. Message Center: Members can send a message through their online banking to request the checking account to be closed.
  3. Over the phone: Members can call in and request for their checking account to be closed. You may call us at 888.800.3328.
   
A third party can deposit a check or cash on behalf of one of our members at one of our First Entertainment locations. Click here to Book an Appointment  to skip the line. Please note a valid ID may be required. *Checks should include proper endorsements along with a completed deposit slip or letter of instruction to identify the correct account for deposit.
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 call us at 888-800-3328 to let us know and we will make the change for you.
Please schedule an in-person or phone appointment. Click here to Book an Appointment to skip the line.  
Debit Card Overdraft Service 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. Coogan accounts may be transferred from institution to institution; however, documentation may be required.
You may initiate institution to institution transfers to and from your Coogan account through the following channels:
  1. In Branch - You may go into any of our First Entertainment branch locations. Click here to Book an Appointment  to skip the line.  
  2. Over the phone - You may call us at 888.800.3328.
*When transferring a Coogan account to another institution, it must go into another Coogan account.
 
You may check your balance by one of the following:
  1. Digital Banking: Once you log into your Digital Banking, all your account balances will display on the dashboard.
  2. ATM: You can view your balance at the ATM after inserting your card and following the prompts on the screen.
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. Shared Branch:  To make a deposit through a shared branch, go to  ATMs and Co-Op Branches to locate a shared branch near you.
  4. 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. Additionally, please add the member number along with the share number on the back of the check and deposit slip. *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.*Deposits may be subject for return if not properly endorsed. 
 
You may make cash 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.
If you need to make a cash withdrawal exceeding $5,000, please contact us at 888.800.3328, send a secured message, or engage in live chat during business hours via our online digital banking platform to arrange for cash pickup order in advance.
 
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 Youth 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 First500 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,
  1. Navigate to firstent.org
  2. Select "Join Us". at the top of the page.
  3. Select "Open an Account"
  4. Then select "Minor".
  5. You will be prompted to add information for each applicant.
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

You can activate your Business Debit Card through Manage Your Cards in Digital Banking or by calling 833-285-1748 from your personal device. To activate through Digital Banking:
  1. Log in to Digital Banking on your mobile app or desktop.
  2. Go to Card Management and select Manage Your Cards.
  3. Choose the card you want to activate.
  4. Under Set Up and Activate Your Card, select Activate.
  5. Follow the on-screen prompts to complete activation.
Once completed, your card will be ready for use.
Debit cards do not provide insurance coverage for auto rentals.
We do not offer a choice of designs.  We have one design based on the following products:
  • Consumer Debit Card
  • Consumer Credit Card Spotlight
  • Consumer Credit Card Preferred Cash
  • Consumer Credit Card Platinum
  • Business Debit Card
  • Business Credit Card Platinum
  • Business Credit Card Preferred Cash
Visit our Consumer Credit Card page to see current card design:  https://www.firstent.org/personal/credit-cards/ Visit our Business Credit Card page to see current card design:  https://www.firstent.org/business/credit-cards/
If your card is blocked, we’re here to help! Please call (888) 800-3328 within the US. Please call (323) 851-3673 internationally.
Whenever you use your Debit card, a preauthorization is electronically transmitted to us by the merchant to hold those funds in your account until the transaction can be processed. Sometimes, the merchant will put through an amount different than the actual amount. When the charge comes through, the preauthorized hold is released as long as the amount on hold and the actual amount charged are identical. If they are not the same, the hold is not released until the expiration date, which is 3 business days after the preauthorization has been put through.
If you see a debit card charge that has already cleared your account and looks fraudulent, here’s how to dispute it:

Option 1: Dispute the Charge in Digital Banking (Mobile or Desktop)

  1. Log in to Digital Banking.
  2. Go to More Services.
  3. Select Submit a Dispute.
  4. Pick the account and choose Dispute a Charge.
  5. Under Transaction Method, select Debit Card.
  6. Follow the prompts and fill out the required details.
        Note: Pending transactions can’t be disputed until they’ve cleared your account.

Option 2: Call Us

You can reach us directly at 888-800-3328, Monday–Friday from 8:00 a.m.– 6:00 p.m. or Saturday from 8:00 a.m.– 3:00 p.m.

Option 3: Visit a Branch

Stop by any of our First Entertainment branch locations, and we’ll assist you in person. Make an appointment by clicking here.

Block Your Card and Report It

To protect your account, we recommend blocking your card right away:
  • In Digital Banking or the Mobile App:
    1. Log in.
    2. Go to Card Management.
    3. Select Manage My Cards.
    4. Choose the card you want to block.
Need Help? Call us at 888-800-3328 or chat with us online—we’re here for you.
You can check your debit card limits by logging into your online banking account.

Sometimes reaching for your wallet is like a multiple-choice test: How do you really want to pay?

While credit cards and debit cards may look almost identical, not all plastic is the same. There’s a difference in how transactions are processed and the protections offered when using your credit vs. debit card. Since a debit card is a direct line to your bank account, there are places where it can be wise to avoid handing it over — if for no other reason than complete peace of mind.

Here are 10 places and situations where it can pay to use your credit card over your debit card:

  1. Online:Using a debit card for online purchases should be avoided because the card is linked directly to your checking account. If you have a problem with a purchase or the card number gets stolen, money is taken out of your account right away and you may have to wait to get your money back until everything is sorted out.
      The Federal Reserve’s Regulation E (Reg E) sets your liability for fraudulent purchases at $50. Some financial institutions, including First Entertainment, voluntarily set liability at $0.
      These protections are great but don’t relieve you of the hassle of disputing the transaction to get your money back. If your account has a lower-than-expected balance, it can also cause problems in terms of fees and refused checks or payments.
  2. Big-ticket items: With a big-ticket items, credit cards offer dispute rights if something goes wrong with the product or the purchase. There are fewer protections with a debit cards. Some credit cards even offer additional coverage, such as warrantees, insurance, etc.
  3. Security deposits: If you use your debit card to pay for a security deposit, the funds will be taken out of your checking account right away. If you use a credit card, the merchant still gets its security deposit, and you still have access to all the money in your checking account.
  4. Restaurants: There are two reasons not to use your debit card at restaurants. First, restaurants are one of the few places where your card leaves your sight when you use it, leaving you open to having your information stolen.
      The other problem is that some establishments will approve a transaction for a higher amount than the actual purchase because they are assuming you intend to leave a tip. The amount of money frozen for the transaction could be quite a bit higher than the amount of your tab and it could be a few days before everything is sorted you get the cash back into your account.
  5. First-time customer: If you’re purchasing something from a brick-and-mortar or online store, skip the debit card for the first couple of transactions. Get a feel for how the business is run, how you’re treated, and the quality of the merchandise before you hand over a card that links directly into your checking account.
  6. Buy now, take delivery later: If you are buying now but taking delivery days or weeks later, a credit card offers dispute rights that a debit card may not. Please be aware though, some credit cards limit the protection to a specific window of time, so settle any problems as soon as possible.
  7. Recurring payments: We’ve all heard how some places won’t stop billing a person’s card even after they cancel their membership. Now imagine the charges aren’t going onto your credit card, but instead coming right out of your bank account. There’s also the problem if you forget to deduct a recurring payment from your checkbook one month; you could face fees if you don’t have overdraft protection.
  8. Future travel: When you pay for your travel, the money is taken out of your account immediately. That means that money is gone for a trip you that you won’t take for a while, you’ll be out the money immediately!
      Hotels aren’t immune to hackers and data breaches either and several name-brand establishments have been hit in the past.
  9. Gas stations and hotels: Some gas stations and hotels will place a hold on your card to cover customers who may leave without settling the entire bill. That means that even though you only bought $10 in gas, you could have a temporary bank hold for $50 or even $100.
      It’s the same with hotels, where there are sometimes holds or deposits to make sure you don’t run up a long-distance bill, empty the mini bar, or trash the room. The practice is almost unnoticeable if you’re using a credit card but can be problematic if you’re using a debit card and have just enough in the account to cover what you need.
      Pro tip: At hotels, ask about deposits and holds before you present your card. At the gas pump, select the pin-number option, which should debit only the amount you've actually spent.
  10. Checkouts or ATMs that look "off": Criminals are getting better with skimmers and planting them in places you'd never suspect -- like ATM machines on financial institution property.
      Take a good look card reader the next time you use an ATM or self-check out lane. Does the machine fit together well or does something look off?? If you suspect it's been tampered with, think twice about using it.

Thinking of getting a credit card? First Entertainment Credit Union has you covered with multiple choices to fit your lifestyle. Find a Credit Card from First Entertainment Credit Union >>


 
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.
You can get a debit card starting at age 10.  In order to get a debit card, you need to apply for a Youth Checking Account, the minimum age limit is 10 years old. For more information on our Youth Checking Account please see below steps.
  1. Visit our firstent.org website
  2. Select "Personal" header on the home page
  3. Under Accounts, select Checking Accounts
  4. Click on Open an Account
 
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 foreign transaction fee for using your debit card in a foreign country to make a purchase or withdraw cash from an ATM. We do charge an out-of-network fee for ATM withdrawals. However, with $1,000 or more in direct deposits per month into a Value Checking account, you'll get up to $15/month in ATM surcharge fee rebates when using non-First Entertainment ATMs Please see our Schedule of Fees.
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.
 
You have several options to obtain a new debit card or replacement card.
  • Digital Banking:
    • Log into your account.
    • Select More.
    • Select Card Management option.
    • Select the debit card you would like to replace and select the reason for re-ordering.
    • Next, select Submit.
  • Calling us at 888.800.3328 requesting to replace your debit card.

Savings & Certificates

The First500 account is our primary savings account that establishes your account/membership with us.  The first $500 in your primary savings account can earn a higher dividend rate, when it is packaged with the following services:
  • eStatements
  • Checking account
  • Direct Deposit or Bill Pay
If you have all these services, your First500 savings account will automatically earn the higher dividend rate on all funds up to $500. Funds on deposit over $500 will earn the regular savings rate.  
Traditional IRAs The tax breaks for a traditional IRA are of the "this is tax-deductible" kind. That means that, depending on previously discussed factors, the money you deposit in your IRA isn't taxed. And regardless, whatever earnings you have on your contributions won't be taxed until you withdraw that money many years later.For example, let's say you made $30,000 during the year, and you put $2,000 of it into an IRA. You would pay income tax on only $28,000. Additionally, your deposit will grow free of tax through the years. When you finally withdraw the money for your retirement -- after age 59 1/2 -- then, and only then, will the money be taxed as income at your ordinary income tax rate. Roth IRA The tax breaks for a Roth IRA are different. Unlike a contribution to a traditional IRA, a Roth IRA contribution is never deductible. Taking the above example, you'd still be taxed on $30,000 even though you had put the same $2,000 into a Roth IRA. However, when you withdraw the money from a Roth IRA, none of it -- and that includes the earnings -- will be taxed, assuming that the Roth IRA has been open for at least five tax-years and you are older than age 59 1/2.  All you have to do is to wait until you can withdraw it penalty-free. Again, that's after age 59 1/2, and as long as it's been in there for at least five years. In other words, the Roth offers tax-exempt rather than simply tax-deferred savings. One word makes a big difference. While both allow you to accumulate wealth without paying taxes along the way on your profits, the Traditional IRA monies are taxable upon withdrawal.  The Roth IRA monies are not. As long as you follow the rules, you never pay taxes on your gains.
Money Market Savings account is not an account type that is offered for IRAs.
The Credit Union offers the Daily IRA account to deposit IRA funds, which is a liquid savings account. The Credit Union also offers Term Savings Certificates for IRA funds. Refer to the dividend rates posted on our website.
What is an RMD? Required minimum distributions (RMDs) are the minimum amounts you must withdraw from your IRA accounts each year when you reach a certain age set by the IRS. The RMD is calculated according to IRS regulations and is calculated separately for each IRA. The RMD must be received as a taxable distribution. It may not be rolled over into another IRA. An IRA owner may transfer the RMD to another IRA, as long as the RMD based on those assets is distributed by the deadline. At what age am I required to start taking Required Minimum Distributions (RMDs) from my Traditional IRA? Starting in 2022, you are required to begin taking Required Minimum Distributions (RMDs) from your Traditional IRA at age 73. This change, implemented by the SECURE 2.0 Act, increased the RMD age from 72 to 73. Since the age requirement may change, be sure to verify the latest information with the IRS. How is the RMD calculated, and what factors influence the amount I must withdraw each year? Required Minimum Distribution (RMD) is calculated by dividing your previous year-end retirement account balance by a life expectancy factor provided by the IRS, which is based on your age as of December 31st of the previous year; the key factor influencing the amount you must withdraw annually is your life expectancy, meaning the older you get, the larger your RMD will generally be. Can I delay my first RMD if I'm still working past the specified age for mandatory distributions? Yes, you can delay your first required minimum distribution (RMD) from your workplace retirement plan if you're still working and meet certain conditions:
  • You're not a 5% owner of the business that sponsors the plan.
  • You continue to work for the business.
  • You can delay your RMDs until the year you retire.
For more information, please consult with your tax advisor. RMD Deadline An IRA owner generally must receive an RMD by December 31 of the current year. One exception to this deadline is the first year that an RMD is due. This RMD may be delayed until April 1 of the following year. This is called the required beginning date (RBD). If an IRA owner chooses to delay receiving the first year's RMD, she must still receive the second year's RMD by December 31 of that year. As a result, the IRA owner will receive two RMDs in the same year. To determine the year an IRA owner will turn 73, simply add 73 to the owner's birth year. What happens if I fail to take the full RMD amount from my Traditional IRA? If you don’t take the full RMD amount from your Traditional IRA by the deadline, you’ll face a penalty tax of 25% of the amount you didn’t withdraw. Are RMDs applicable to Roth IRAs, and if so, when do they come into effect? No, RMDs (Required Minimum Distributions) are not applicable to Roth IRAs during the account owner's lifetime, meaning you do not need to take withdrawals from a Roth IRA while you are alive; RMDs only apply to Roth IRAs after the owner's death, when beneficiaries inherit the account and must take distributions according to specific rules.    
In the unfortunate event of the account holder's death, what is the process for submitting a death notification for an IRA?
In the unfortunate event of an account holder's passing, you can submit a death notification for an IRA by following these steps:
  1. Schedule a phone appointment.
    • When selecting a service, choose “Death of a Loved One – Phone” under Additional Account Services.
  2. Prepare a copy of the death certificate.
    • You will need this document to submit the death notification claim.
Click here to book your appointment
Can a beneficiary continue to contribute to an inherited IRA? No. What steps should a beneficiary take to claim inherited IRA funds, and what documentation is needed?
Steps for a beneficiary to claim inherited IRA funds:
  1. Schedule a phone appointment.
  2. Present the death certificate and a valid ID.
    • To initiate the claim, the beneficiary must provide a copy of the account holder’s death certificate and a valid form of identification.
  3. Receive and complete the payment selection form.
    • Ascensus, the IRA administrator, will send the designated beneficiary a payment selection form.
  4. Return the form to Ascensus.
    • Once received, Ascensus notifies Operations to process the payout.
Our digital banking offers a certificate maturity option (auto-renew, or close and transfer to the checking or savings account). This will need to be selected prior to maturity.
Step 1: Click on the certificate account.
Step 2: Click on Certificate Details.
Step 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.
   
If your term savings certificate (CD) is set to automatically transfer to a share, it will close at maturity. If your term savings certificate (CD) is set to renew, it may renew at a different term or rate. Please refer to your online banking to see the current maturity option under your term savings certificate (CD).
If you desire to close your term savings certificate (CD) prior to the maturity date, you can message us on Message Center, visit one of our First Entertainment Branch locations, or call us at 888-800-3328. Click here to Book an Appointment  to skip the line. *If a term savings certificate (CD) is closed prior to the maturity date, fees and penalties may apply. See the Term Savings (Certificate) Account Agreement and Disclosure for terms and conditions.
 
Once you log into your Digital Banking, all your account balances will display on your dashboard.    
Term savings certificates are non-transactional, one time deposit accounts. Deposits can only be made upon account opening or during the maturity seven (7) business day grace period.    
You may close a Savings account by contacting us at 888-800-3328, Message Center or visiting one of our First Entertainment Branch locations. Click here to Book an Appointment  to skip the line.
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 onto your account online. and viewing the transaction activity for each account. To view online please follow the below steps:
  1. On Web Browser search Firstent.org
  2. Top right-hand corner of webpage click login
  3. Enter Username and Password
  4. On right hand side of Dashboard under Quick Links click on rates
  5. Click on link Savings, Checking, Money Market, IRA & HSA rate
Withdrawals can be made in person at one of our branch locations. Click here to Book an Appointment  at our First Entertainment locations to skip the line.   Only dividends (the interest that is earned in your term savings certificate) can be withdrawn from a term savings certificate without a penalty. A withdrawal without a penalty can also be made during the grace period when your term savings certificate matures.   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  (cash or checks)
*Note: New money only applies to funds that have been deposited within the past thirty (30) days. 
Term savings certificates are non-transactional, one time deposit accounts. Once the deposit has been made to another share, the money can be transferred to the Term Savings Certificate upon opening. Please note, the funds must be available in order to fund the Term Savings Certificate. 
​Digital Banking
  1. Select "Open New Accounts".
  2. Click "Open new Term Savings Certificate (CD)"
  3. Select "Apply Now to Open a New Deposit , CD, or Savings Account".
  4. Click "Term Savings Certificate (CD)".
  5. Select the term.
  6. Select the funding  account where the funds will be pulled from to fund the Term Savings Certificate.
  7. Enter the opening deposit amount ($1,000 minimum).
  8. Review and confirm the account the funds are drawing from and the amount being used to fund the CD on the screen, and then select "Continue".
  9. Read the terms and conditions, and then click the box that states "I accept the terms and conditions states above", and then select "Finish". 
  10. Verify the CD was successfully opened on the list of accounts shown on your main page.
Mobile App
  1. Select "More" on the tool bar.
  2. Click "Open New Accounts".
  3. Click "Open new Term Savings Certificate (CD)"
  4. Select "Apply Now to Open a New Deposit, CD, or Savings Account".
  5. Click "Term Savings Certificate" (CD).
  6. Select the term.
  7. Select the funding account where the funds will be pulled from to fund the Term Savings Certificate.
  8. Enter the opening deposit amount ($1,000 minimum).
  9. Select "Continue" to proceed to opening the account.
  10. Review and confirm the account the funds are drawing from and amount being used to fund the CD on the screen, and then select "Continue".
  11. Read the terms and conditions and then select "Accept".
  12. Verify the CD was successfully opened on the list of accounts shown on your main page on the app.
Yes, a term savings certificate can be opened via Digital Banking or our Mobile App.

Follow the steps below to apply for a Term Savings Certificate Account.

Digital Banking :

  1. Login to your digital banking account.
  2. Navigate to "Open New Accounts".
  3. Click "Open New Term Savings Certificate".
  4. Click on "Apply Now".
  5. Select “Term Savings Certificate (CD)” .
  6. Select the term you want for the Term Saving Certificate. 
  7. Choose the funding account.
  8. Enter a deposit amount. 
  9. Click "Finish".

Mobile Banking:

  1. Login to your mobile app.
  2. Click on ”More”.
  3. Navigate to "Open New Accounts".
  4. Select “Open New Savings”.
  5. Click on "Apply Now".
  6. Click “Term Savings Certificate (CD)” .
  7. Select the term you want for the Term Saving Certificate. 
  8. Choose the funding account.
  9. Enter a deposit amount .
  10. Click "Finish".
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

If you are looking to use Zelle for the first time at First Entertainment, you will need to enroll in the service before you may send or receive funds and 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
How to Enroll in Zelle®:
  1. Log in to Digital Banking.
    • On Desktop: Select Transfer and Pay from the drop-down tab, then choose Send Money with Zelle®.
    • On Mobile: Tap the Zelle® widget in the bottom center menu.
  2. Select Get Started.
  3. Read and accept the terms and conditions.
  4. Choose your preferred token (email address or mobile number).
  5. Enter the one-time passcode sent to your chosen email or mobile number.
  6. Link Zelle® to your personal checking account to complete setup.
 
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.
As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. You can find a full list of participating banks and credit unions live with Zelle® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time. 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. 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.
As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. You can find a full list of participating banks and credit unions live with Zelle® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.  
As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. You can find a full list of participating banks and credit unions live with Zelle® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time. 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’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 - As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. You can find a full list of participating banks and credit unions live with Zelle® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.
      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.
 
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 Online. Cyber 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 Postings. Fraudsters 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 Schemes. Fraudsters 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.
  • Fear: Taxpayers sometimes owe money to the IRS, but the IRS doesn’t accept payments via Zelle®.
  • Compassion: Friends 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 account. If 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 typically within minutes with just an e-mail address or mobile phone number, even if they bank somewhere different than you do. 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, typically within minutes with just an e-mail address or mobile phone number, even if they bank somewhere different than you do. 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.  
​Reminder: Sending funds via Zelle is like using cash – once funds are sent, it can be very difficult or impossible to recover them. Zelle does not offer the same protections as using a credit or debit card. First Entertainment highly recommends that members use Zelle to send money only to people they know and trust. Once you send funds using Zelle, we cannot guarantee those funds can be returned.

To Recover Your Username:

  1. You may attempt to dispute a transaction sent via Zelle, but First Entertainment cannot guarantee the return of those funds.
    • A Zelle transaction can be disputed up to 120 days from the transaction date.
    • A Zelle dispute will be researched and resolved within 7 business days.
  2. To dispute a transaction:
    • Log in to your Digital Banking account.
    • Go to More Services > Submit a Dispute.
    • Select the account where the transaction posted.
    • Under Transaction Method, choose Zelle.
  3. Provide all requested details about the transaction, including the date, amount, recipient, and a brief description of the issue.
  4. Once submitted, your dispute will be routed to our Zelle Dispute Team for review.
  5. Please allow up to 7 business days for the dispute attempt to be completed. If funds are recoverable, they will be returned.
If you believe the transaction is fraudulent, please call us immediately at 888.800.3328.