Answers to some of our most commonly asked questions are below.

Q: What’s the difference between my Membership number and my account numbers?

Your account numbers are a combination of your Membership number and the account-type number. A suffix is added to the end of your Membership number to indicate if it is your savings account or your checking account.

Q: How do I find my account number?

One way to find your account number is to look at the series of numbers on the bottom of your check.

Still having trouble finding your account number? Give us a call at 866.287.6225.

Q: What is your Routing & Transit Number?

The routing number for CU SoCal is 322283796. This number may be used for a variety of services, including direct deposit, wire transfers, tax purposes, and paying utilities.

Here are some other important details that may help you when you're asked to provide our routing number. 

  • Name: Credit Union of Southern California
  • Address: P.O. Box 200, Whittier, CA 90608-0200
  • Phone Number: 866.287.6225
  • Account Name: (ex. Checking Account)

Q: What is my MICR number?

Your MICR number is the combination of the routing number, account number, and check number listed at the bottom of your check.

Q: How do I set up Direct Deposit?

Simply fill out our Authorization for Automatic Deposit form and provide it to your payroll department.

Q: How do I re-PIN my debit card?

To create your own PIN number, you may bring your debit card and a government issued photo ID into any CU SoCal branch. Or, to receive a new PIN number, you may call our support team and ask to have a PIN number reminder letter mailed to you. For security purposes, we do not have access to see any Members’ PINs.

Q: Do I need to notify you if I will be traveling out of town?

Yes, when possible, we appreciate advanced notice of at least 48-hours to ensure there will be no disruption when accessing your funds while out of town.

Q: How do I close my account?

We’re sad to see you go. You may close your account in-person at a CU SoCal branch, or you may request to close your account by completing the Request To Close Account form and mailing it to P.O. Box 200 Whittier, CA 90608-0200, or faxing it to us at 714.990.5492.

Q. How do I request an address change on my account?

You can update your address in Online Banking or you can complete our Change of Address form and drop it off at your nearest CU SoCal branch, mail it to P.O. Box 200 Whittier, CA 90608-0200, or fax it to us at 714.990.5492.

Q. Can I add a password to my account to verify my identity when I call in instead of answering security questions?

Absolutely! Simply complete our Password Request form and drop it off at your nearest CU SoCal branch, mail it to P.O. Box 200 Whittier, CA 90608-0200, or fax it to us at 714.990.5492.

Q. How do I remove a joint owner from an account?

You can remove a joint owner from your account by completing our Consent To Remove A Joint Owner form and dropping it off at your nearest CU SoCal branch, mailing it to P.O. Box 200 Whittier, CA 90608-0200, or faxing it to us at 714.990.5492.

Q. How do I add or change my account beneficiary?

You can add or change your account beneficiary by completing our Designation of Beneficiary form and dropping it off at your nearest CU SoCal branch, mailing it to P.O. Box 200 Whittier, CA 90608-0200, or faxing it to us at 714.990.5492.

Q. How do I opt in for CU SoCal Courtesy Pay for ATM and everyday debit card transactions?

To sign up for CU SoCal Courtesy Pay, please complete our Courtesy Pay Authorization form and drop it off at your nearest CU SoCal branch, mail it to P.O. Box 200 Whittier, CA 90608-0200, or fax it to us at 714.990.5492.

Q: Can anyone open an account at CU SoCal?

Anyone who lives, works, worships, or attends school in Los Angeles County, Orange County, or San Bernardino County is eligible to open an account. For those who do not meet that geographical criteria, there are two other ways to qualify:

Through a family member: If an eligible family member currently has an account, you can open one too. An eligible family member is a spouse, child, sibling, parent, grandparent, grandchild, aunt/uncle, niece/nephew, cousin or legal guardian and includes step, in-law and adoptive relationships.

Through your employer: We have relationships with nearly 500 employers that provide access to CU SoCal regardless of your geography. If you work for one of these select companies, you are eligible to open an account.

Q: Do I need to provide any identification or documents to open an account?

Yes. To open an account, we’ll need a copy of a valid, government-issued ID. If your current address does not match the address listed on your ID, we will also need a copy of your most recent utility bill with your name and current address.

Q. Do you have a printable Membership Application?

We do! Here you go: Printable Membership Application.

Q. Do you offer accounts for minors?

We do! You may assign an adult as the custodian of the account while allowing the minor to be the primary account holder. To open a minor account, simply complete our Application to open a Minor Account—(UTMA) and visit a CU SoCal branch.

Q: What should I do if I suspect fraud on my account?

If you suspect you’ve been a victim of identity theft or other fraudulent activity, please contact CU SoCal as soon as possible, toll-free at 866 CU SoCal (866.287.6225), so that we may take steps to protect the integrity of your account information and funds.

In addition, please follow the steps outlined below:

1. Contact the fraud department at any one of the three major credit bureaus to place a fraud alert on your credit file.

  • Equifax: 800.525.6285 or Equifax.com
  • Experian: 800/EXPERIAN (397.3742) or Experian.com
  • TransUnion: 800.680.7289 or TransUnion.com

2. Close the accounts that you know or believe have been compromised or opened fraudulently.

3. File a police report. Obtain a copy of the police report to submit to your creditors and others that may require proof of the crime.

4. File your complaint with the FTC. The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations. Filing a complaint also helps the government to learn more about identity theft and the problems victims are having so that they can better assist you. Visit the FTC website for more information.

Additional Fraud/Loss Prevention Contacts

Lost/Stolen Debit Card: 888.698.7241
Lost/Stolen Credit Card: 800.556.5678

If you have received a phishing e-mail that looks as if it has been sent by CU SoCal, please forward the email to info@CUSoCal.org.

Q. How do I report an unauthorized debit out of my account?

You can report an unauthorized debit out of your account by completing our Unauthorized Debit form and dropping it off at your nearest CU SoCal branch, mailing it to P.O. Box 200 Whittier, CA 90608-0200, or faxing it to us at 714.990.5492.

Q. How do I report an unauthorized purchase made with my debit card?

To report an unauthorized purchase made with your debit card, please complete our ATM/Debit Card Fraud form and drop it off at your nearest CU SoCal branch, mail it to P.O. Box 200 Whittier, CA 90608-0200, or fax it to us at 714.990.5492. In addition, if you debit card has been lost or stolen, please call: 888.698.7241.

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

To report a lost or stolen card, please call the corresponding number below:

  • Lost/Stolen CU SoCal Debit Card: 888.698.7241
  • Lost/Stolen CU SoCal Credit Card: 800.556.5678

Q. How do I stop a payment?

To place a stop payment on a check or a range of checks, you may log into the CU SoCal Mobile Banking app or your CU SoCal Online Banking account. If your accounts are not set up with online services, you may complete our Check Stop Payment form and drop it off at your nearest CU SoCal branch, mail it to P.O. Box 200 Whittier, CA 90608-0200, or fax it to us at 714.990.5492.

To stop recurring and one-time automatic payments and withdrawals (ACH), simply complete our Stop Payment Request form and drop it off at your nearest CU SoCal branch, mail it to P.O. Box 200 Whittier, CA 90608-0200, or fax it to us at 714.990.5492.

Q. How do I report or dispute an error at an ATM?

To report a ATM transaction error please complete our Electronic Dispute/Error Notification form and drop it off at your nearest CU SoCal branch, mail it to P.O. Box 200 Whittier, CA 90608-0200, or fax it to us at 714.990.5492.

Q: How do I submit proof of insurance for my auto loan?

CU SoCal has partnered with Southwest Business Corporation (SWBC) to track and verify all CU SoCal auto loan insurance coverage. You may submit your proof of insurance by visiting imcovered.com/cusocal and following the on-screen instructions.

Q: What is an EMV chip?

The EMV chip is an embedded microchip in your Visa® card that provides the best security and protection against fraud. The chip is able to encrypt information, making it difficult for card information to be copied or counterfeited.

Q. Can I skip a payment on my loan?

CU SoCal allows Members to skip a payment for any non-Real Estate CU SoCal loan for a $25 fee as long as the following requirements are met:
  • At least 18 payments have been made on the loan.
  • A payment on the selected loan is not presently more than 10 days past due.
  • A payment on the selected loan has never been more than 30 days past due.
  • The selected loan has not had more than three occurrences of payments which were 11-30 days past due.
  • A payment on the selected loan has not been skipped within the past year.
  • The loan payment being skipped is $75.00 or greater.
Other requirements may apply.

To skip a loan payment, simply complete our Skip A Loan Payment form and drop it off at your nearest CU SoCal branch, mail it to P.O. Box 200 Whittier, CA 90608-0200, or fax it to us at 714.990.5492.

Q. How do I access my Health Associates Credit Union credit card information?

Former Health Associates Federal Credit Union (HAFCU) Members may access their HAFCU Visa® Credit Card information through ezcardinfo.com. You may also call the credit card customer service center at 800.808.7230 to view your balance and payment history.

Q. How do I access my United Financial Credit Union credit card information?

Former United Financial Credit Union (UFCU) Members may access their UFCU Visa® Credit Card information through ezcardinfo.com. You may also call the credit card customer service center at 800.808.7230 to view your balance and payment history.

Q. How do I take an advance on my existing student loan?

Former South Western Federal Credit Union (SWFCU) Members may take an advance on their existing student loan at cusocal.studentchoice.org.

Q. How do I set up recurring automatic transfers to my account?

To set up recurring transfers, simply complete our Authorization for Automatic Transfer form and drop it off at your nearest CU SoCal branch, mail it to P.O. Box 200 Whittier, CA 90608-0200, or fax it to us at 714.990.5492.

Q. How do I set up automatic transfers to another CU SoCal account?

To set up one-time or recurring automatic transfers to another CU SoCal account, simply complete our Authorization for Cross-Account Transfer form and drop it off at your nearest CU SoCal branch, mail it to P.O. Box 200 Whittier, CA 90608-0200, or fax it to us at 714.990.5492.

Q. Can I login to view my investment accounts if I don't use Online Banking?

Yes, you may login to view your investment portfolio directly with CUSO Financial Services (CFS) at mpv.orcasnet.com/login/cusc.

Didn't find what you were looking for?

Contact CU SoCal Member Support

Help + Support

Building Better Lives

Credit Union of Southern California (CU SoCal) is a leading financial institution empowering those who live, work, worship, or attend school in Orange County, Los Angeles County, and San Bernardino County to reach their goals and build strong financial futures. CU SoCal provides access to convenient money management services and offers competitive rates and flexible terms on auto loans, mortgages, and VISA credit cards—turning wishing and waiting into achieving and doing.

562.698.8326 | 866 CU SoCal Se Habla Español

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