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FAQs

FAQ Categories

Routing Number

Wire Transfers

Online Bill Pay

Visa Gift Cards

Visa Reloadable Cards

Credit Cards

Questions & Answers

Routing Number

What is the routing number for Fairfax County FCU?

Routing Number:  256078501

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Wire Transfers

How do I send / receive a wire transfer?

Click here for Wire Transfer instructions.

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Online Bill Pay

When can I start?

If you have an FCFCU checking account, you can start using it immediately.  Just log into online banking and click "Bill Payment" on the left-hand side and we will guide you the rest of the way.

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What is Online Bill Pay?

Online Bill Pay is a service that makes it simple and convenient to pay your monthly bills.  All you have to do is verify that the amount you have been billed is correct, and then schedule the payment via your personal computer and we do the rest!

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Why pay bills online?

Convenience, convenience and convenience.  Your Credit Union's bill pay features allow you to schedule recurring payments, pay anyone anytime, end the taste of glue on those payment envelopes, cut down on trips to the post office and more! Did we mention its convenient?

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How do I schedule a bill for payment?

Once you have logged on, you simply enter the amount to be paid as well as the due date of the bill.  The bill pay service lets you schedule recurring payments such as mortgage and car payments, review payment history and maintain a payee database.  Adding a new payee is simple, and payments to new payees can begin immediately.  All of the bill pay features help to simplify the process of paying bills.

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How can I be sure payments will be made on time?

We request that bill pay users schedule bills for payment no less than 5 business days prior to the bills due date.  The payment will be sent immediately to ensure it is received on time.  Payments may be scheduled as much as one year in advance of their payment date.

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Which account are the funds taken from?

Your FCFCU checking account is the course for online bill payments.

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What does Online Bill Pay cost?

Online Bill Pay is FREE to members with a FCFCU checking account regardless of how many bills you pay.  

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Visa Gift Cards

What is a Visa® Gift Card?

Your FCFCU Visa Gift Card is a prepaid Visa Debit Card with a specific dollar value.  Your Visa Gift Card and its value are accepted at most places Visa Debit is accepted.

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How can I check the balance on my gift card?

Call the number on the back of your card for balances and transaction history.

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How can I use my gift card?

You can use your FCFCU Visa Gift Card at most places Visa Debit is accepted.  See Terms and Conditions for further information.

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What should I do when the merchant's sales terminal asks me to press "Debit or Credit"?

You should always press the Credit button.  Although the Visa Gift Card is not a credit card, the transaction is processed like one.  You should always sign a sales receipt.

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When I swipe my card, the terminal asks me to input my PIN. What is my PIN?

A Personal Identification Number (PIN) is not issued with the FCFCU Visa Gift Card.  If a PIN is requested, simply press Cancel on the terminal, then select Credit to complete your transaction.

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What if the item I want to purchase exceeds the value of my gift card?

If the purchase amount exceeds the available card balance, then you must inform the merchant of the amount you want to pay with the Visa Gift Card and that you will pay the difference in cash, check, credit or debit card.  If the purchase amount exceeds the available balance of the Visa Gift Card, the transaction will not be approved.

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What do I do if I need to return an item?

In the event you need to return an item you purchased with your Visa Gift Card, the merchant will handle the item in accordance with Visa guidelines.  The merchant may credit your card (put funds back on the card) thereby increasing your available funds.

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What happens when the funds are spent?

When you have depleted all the funds on the card and no returns are necessary, simply destroy and discard the card.

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What should I do if my Visa Gift Card is lost or stolen?

Contact FCFCU Visa Gift Card Center immediately at 1-866-902-6082.

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Visa Reloadable Cards

What is the difference between my reloadable card and a debit card?

Your reloadable card is a Visa card, which looks similar to a Visa debit card with the Visa trademark and hologram.  Merchants accept the reloadable card just as they accept the Visa debit card.  However, the reloadable card is not in any way affiliated with your checking account.  The reloadable card allows you to access only the amount that has been funded on the card.  When you make a purchase with your reloadable card, the purchase amount is deducted from the card balance.

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How do I know the balance of my reloadable card?

You may check your balance by calling Reloadable Card Customer Service at 866-760-3156.

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My reloadable card was declined at a restaurant, even though I had enough money on my card to cover the bill.

While reloadable cards may be used at restaurants, most restaurants authorize an amount that is 25% greater than the total bill, to account for the server's tip.  For example, if your bill is $100.00, the restaurant may check for a total of $125.00 in availability.  In this example, if you had less than $125.00 available on your reloadable card, even though your actual bill was less, it would be declined.  Therefore, when using your reloadable card at restaurants, either make sure your available credit is at least 25% greater than the total bill, or explain to the server that you will be paying a portion with your reloadable card and the remaining amount with another form of payment.

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Can I use my reloadable card to shop from home?

Yes.  You can use your card to shop by phone, by mail order or online.  If you are having a purchase shipped somewhere other than your home, you will need to provide your billing address to verify the card you are using belongs to you.

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What do I do if a merchant asks me "Debit or Credit?"

Tell the merchant "Credit".  If a merchant asks you to swipe your card through a terminal, always press the Credit button, or tell the cashier you would like to sign for the purchase.

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Can I return merchandise that I bought with my reloadable card?

Merchants have their own return policies.  They may credit your reloadable card, give you cash or provide you with an in-store credit.  If your reloadable card is credited, it may take up to one week before the refund is credited to your reloadable card and available for use.

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Credit Cards

How do I sign up for Visa Alerts?

Log into your Fairfax County FCU Visa Credit Card Account home page and click on the "Credit Card Alerts" banner.  You will then be taken through the steps to set up your alerts, including where you would like to receive the alerts (mobile phone or email) and what type of alerts you would like to set up.  You can also view a history of your transaction alerts from the site.

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