Frequently Asked Questions

A Non-sufficient funds fee is charged when an item is presented against your account for which you do not have enough funds to cover. These items may be returned to the merchant who may either charge you a fee and request payment or attempt to resubmit the amount of the check or electronic transaction.
A Courtesy Pay fee is charged when an item is presented against your account for which you do not have enough funds to cover and the credit union pays the item rather than returning it to the merchant who will more than likely charge you an additional fee. This service is only for members in good standing and must be repaid within 10 days. The credit union does not guarantee that if they pay an item once, that they will continue to pay items. This service can be revoked by the credit union without notice if it is abused.
When you log in to CUnify Web Banking, there is a Bill Pay link on the left menu bar that will connect you to Bill Pay. If it is the first time using this service, you will be asked to set up your primary bill payer account. Please use your ten-digit account number from your checks. If you don’t have this information, please contact a credit union representative.
No. This is a free service for Pinpoint members.
You can access a video tutorial at the top of the Online Bill Pay home page. If you would like to see how it works before you enroll, click here
If the transaction can be sent electronically, it takes two (2) days to be received. If a check must be mailed, it could take up to five (5) days to be received.
You have several options to choose from to send money to another person. If you use our Online Bill Pay service, you can pay anyone you choose electronically if you know their routing number and account number or you can send them an online check if you don’t have this information. You can also use our SPRIG mobile app to send money electronically to another credit union member or to another one of your credit union accounts. If neither of these options meet your needs, you can wire funds to someone for a $20 fee. You will need wiring instructions from their financial institution to process a wire transaction. This is the fastest method of money transfer available at Pinpoint.
SPRIG is our free shared branching mobile app serviced by CO-OP. It allows you to get limited information about your accounts on the go; transfer funds between your Pinpoint accounts; send and receive money and make mobile deposits by taking a picture of the front and back of your check.
You can enroll in Web Banking online from our home page by clicking on My Money. Then, click on “Sign Up” under the Login Button. Choose the type of account you are requesting access for (personal or business), click next and fill in the form to request access. This information must match our records to enroll in this method. You will be sent a temporary password via email. If you choose to enroll through the office, you will need to complete an enrollment form. A representative will give you instructions on logging in for the first time.
Shared Branching is a cooperative network that we belong to that allows our members to access a credit union branch at over 5,000 branches and over 30,000 free ATMs nationwide. The network continues to grow and allows you to take your Pinpoint account with you, wherever life’s journey takes you. You can conduct most transactions at a shared branch location. However, you should contact Pinpoint for loan requests or specific questions about your account. To learn more click here.
You have several options. You can apply online at Pinpointfcu.org; through Web Banking; by calling 570-742- 3903 or by making an appointment with a Lending Relations representative.
You may have tried to log in too many times with an incorrect password or challenge question causing your IP address to become locked. A credit union representative can unlock your IP address if this happens. If this is not the case, you should try to clear out your internet cache as your browser may be trying to access an older version of the site.
This depends on the browser you are using. For Internet Explorer, click on the cog wheel in the top right hand part of the browser, choose internet options, under the “browsing history” option, click “Delete”, check off the items you would like to delete (cookies & temporary internet files are the most common), click “Delete” and then “OK” to close this window. You may need to close and reopen your browser. For Google Chrome, click on the three dots in the top right hand part of the browser, choose “settings”, click on the “advanced settings” link, click “clear browsing history”, check the items that you want to delete, click on “clear browsing history”. You may need to close and reopen your browser.
Immediate Family: Anyone in the immediate family of an eligible member may join Pinpoint even if the eligible member does not join. Immediate family members include spouses, parents, children, siblings, grandparents, and grandchildren. Adoptive and step-relationships are also included in the definition. Example: The grandchild of an eligible member may join, even if the eligible member does not hold credit union membership. A nephew is not eligible to join under the immediate family definition unless his parent is a Pinpoint member, creating a new immediate family unit that makes him eligible for membership.

Household: People living in the same residence or maintaining a single economic unit with an eligible member may join only if the eligible member is a Pinpoint member. Household members include domestic partners, roommates, family members, and legal guardian relationships. The definition excludes temporary residents and residents of boarding houses, fraternity or sorority houses, and condo complexes. Example: The roommate of an eligible member may join only if the eligible member currently belongs to Pinpoint. Once a person joins a credit union, regardless of what category made them eligible for membership, their immediate families and their households also become eligible to join.

You are welcome to remain a credit union member for life, regardless of whether you change jobs, move, or retire. If there are changes in your life, remember to call the credit union first. We will show you how easy it is to continue to enjoy money-saving financial benefits through our various convenient products and services.
The easiest way to join online by completing our online membership application. We will be in contact with you to go over your membership materials and to collect your identification information and opening account deposit. You may also join by visiting our office. You will need one form of unexpired government issued photo identification showing your current address or two forms of other acceptable identification (please contact us for details) and a $5.00 deposit to open an account. Once your account is open, you are immediately eligible for all of the benefits of Pinpoint membership. Click here to see our SEG list.
Yes. You can order online and have the cash delivered securely to your home. A signature is required for delivery. The credit union can also order your cash or card and have it delivered to our office for pick up and payment. Your travel card can be loaded with several different types of currency if you plan to travel to several countries.
Yes. You are automatically enrolled in this service as a credit union member. You can use this service by calling 1-800- 742-4003. This service requires a PIN. If this is the first time using the service you will use your member account number and the last four digits of the primary member’s social security number to access your accounts. Choose Option 8 to change your PIN to a number that you will remember. If you forget your PIN, you can call our office at 570-742- 3903 to have it reset.
Yes. We have debit card reward points available when you enroll online in our UChoose Rewards program and shop online. You can redeem points for gift cards, merchandise and travel.
Yes. We offer business accounts ; lending services, merchant processing, accounts receivable financing, website development and hosting, secure cloud storage and data backup services, insurance, payroll and billing services and remote check deposit services through Newtek Business Services.
Yes. You receive free overdraft protection from your primary savings account and you can add other savings accounts if you choose. We also offer Courtesy Pay services for eligible accounts for a nominal fee.
Yes. You may opt to have electronic statements delivered to your secure web banking site or you can choose paper statements delivered to your home address. You will receive an email alert when your electronic statement is ready, shortly after the end of the month.
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