Frequently Asked Questions


Q.  What is the difference between my balance and my available balance when I go to Home Banking or call EDNA?

A. The difference between your balance and your available balance may be a combination of several things.  The first being if you have an SFCU Debit Rewards checking or SFCU Cash & Check Card account and have used your debit card for a signature based transaction, the difference can be the dollar amounts of the pending transaction(s).  Another reason there may be a difference between the two balances is the $5 Membership Share Value which is held in all primary savings accounts.

Q.  I only see an address for some of my debit card purchases.  Why is that and how do I look up that specific address for the transaction if I no longer have my receipt?

A.  When you do a pin-based transaction with your debit card, a point of sale (POS) transaction, oftentimes an address is all that will show up in your account history or on your statement as a description of that transaction.  We love Google and have found it very helpful for this kind of scenario!  Just enter the address in the Google search bar, and voilà - that’s where you went shopping!

Q.  I tried to make an online, or EDNA transfer from my savings to my checking but it didn’t go through.  Why not?

A.  It may have to do with a little federal regulation known as Reg D.  Reg D limits the number of transactions you are able do from your savings, or money market accounts, to your other SFCU accounts.

Q.  Did I receive a 1099?

A.  SFCU does not mail out a 1099 if you earned less than $10 in dividends.

Q.  Did I receive a 1098?

A. SFCU does not mail out a 1098 if you paid less than $600 in interest per mortgage, per year.

Q.  Do I have to declare dividends earned, or interest paid, if I didn’t receive a 1099 or a 1098?

A.  You will want to contact a tax preparation specialist for an answer regarding dividends earned or interest paid.

Q.  I want to set up direct deposit.  How do I go about doing it?

A.  To set up direct deposit, you’ll need to contact someone who does payroll at your place of employment.  Sometimes we can do it here at the Credit Union, but sometimes we can’t.

Q.  What is Spokane Federal Credit Union’s routing number?

A. 325182629 

Q.  How do I get a password for Home Banking?

A.  If you are a first time user, from our homepage, under the member login area, you’ll see a link titled “first time user” – click on that link and follow the prompts.  If you run into a hiccup, contact Member Services at 509-328-2900 or 800-541-4310.

Q.  How do I get a free copy of my credit report?


Q.  How do I place a stop payment on a lost or stolen check?

A.  You can place a stop payment on a lost or stolen check through EDNA or Home Banking, or by contacting anyone in Member Services.  If your check has been stolen, please contact us to ensure we are able to work together towards protecting your membership and your money.

Q.  How do I report a lost or stolen credit and/or debit card?

A.  Call us at 509-328-2900 or 800-541-4310 during the hours of 9:00am to 5:00pm, Monday through Friday. If it’s outside of normal business hours, please call 1-800-453-4270.

Q.  How do I send a wire transfer?

A.  If you’re sending a wire transfer from SFCU to another financial institution, you will need to contact the financial institution you’re sending the wire to and ask them for their specific wiring instructions.  Then, contact Member Services, and we will take care of the rest for you!

Q.  How do I receive a wire transfer?

A.  You’ll want to give the person/financial institution sending the wire transfer SFCU’s specific wiring instructions.  Here they are!

Wire to: Catalyst Corporate Federal Credit Union
Address: 6801 Parkwood Blvd, Plano, TX 75024
ABA#: 311990511
For Credit to: Spokane Federal Credit Union
Address: 601 W Mallon, Spokane, WA 99201
Account #: 325182629
For Final Credit to: your name, your member number, and please specify checking or savings.

Q.  What is a held funds fee?

A.  An item is clearing and using funds that are on hold because there isn’t enough money in your account available.  The funds being held could be from a deposit, or a pending debit card transaction that has not yet cleared.

Q.  I made a deposit into an ATM yesterday.  Why hasn’t it shown up in my account yet?

A.  Unfortunately, there is an approximate three day hold on deposits made in an ATM.  The funds should show in your balance; however, they may not show in your available balance until after the hold has been released.

Q.  What is the Credit Union’s holiday closure schedule?

A.  SFCU is closed on:

  • New Year's Day
  • Martin Luther King, Jr. Day
  • Presidents' Day
  • April Fool's Day - just kidding!
  • Memorial Day
  • Independence Day
  • Labor Day
  • Veterans Day
  • Thanksgiving Day
  • Day After Thanksgiving
  • Christmas Day