General Information


What's a credit union?
A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled through a board of members elected by the members. The board serves on a volunteer basis and may hire a management team to run the credit union. The board also creates and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.

Who owns a credit union?
Most financial institutions are owned by stockholders, who own a part of the institution and intend on making money from their investment. A credit union does not operate in this manner. Each credit union member owns one share of the organization. The user of credit union services is also an owner, and is even entitled to vote on important issues, such as the election of member representatives to serve as board members.

Are savings deposits insured?
Yes. All deposits are insured up to $250,000 by the NCUA (National Credit Union Association) which is an agency of the federal government. Additionally, each share account is insured by American Share Insurance for up to $250,000 per account. For more information on Excess Share Insurance, click here. This certifies that all share accounts are insured for up to $500,000. Insurance for share accounts include Checking, Savings, IRAs, Certificates, Money Market, and Christmas Club.

Who can join Heritage South Credit Union?
Anyone who lives, works, worships, or attends school in Talladega, Jefferson, Shelby, Coosa, Tallapoosa, Lee, Calhoun, Clay, St. Clair, Elmore, Chambers, Cleburne, Randolph or Chilton Counties is eligible for membership at the credit union.

What is the routing number?
The routing number for Heritage South Credit Union is 262277118.

What is Excess Share Insurance?
Excess Share Insurance is offered by American Share Insurance (ASI), the nation's largest private provider of deposit insurance. For more than 32 years the corporation has operated as an alternative source for insuring member deposits in state chartered credit unions. Since 1983, the company has also provided excess deposit coverage for both state and federally chartered credit unions.

Can I make suggestions for changes to the website?
Yes, but don't limit yourself to the website. We welcome suggestions on how to improve anything we do. We would like to hear any suggestion you may have to make improvements to the credit union and serve the members more efficiently. We will post the good suggestions on our website and let you know when you can expect the change, or why we feel that the change would not work. So be sure to include your name in the email so we know who to contact if we need to ask questions.

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What is Verified by VISA?
Verified by VISA is a service offered by VISA to secure transactions online via debit card.
Verified by VISA allows the cardholder to add a secure password to their account to ensure privacy and to add another level of security when making purchases online. This service works with your current card and is typically free of charge to credit union members. You can be sure that your transaction is secure wherever you see the Verified by VISA logo. If you have any other questions,go to VISA's website and see how it works. Sign up for Verified by VISA and start securing your online transactions today!

What is Regulation D?
REGULATION "D" IS A DIRECTIVE OF THE FEDERAL GOVERNMENT, NOT OF YOUR CREDIT UNION. Regulation D (Reg D), a regulation imposed by the Federal Reserve Board on ALL financial institutions (banks AND credit unions), sets limits on the number of monthly transfers and withdrawals that can occur for a Savings or Money Market Savings account. Members with Savings or Money Market Savings are limited by this federal regulation to making six (6) automatic withdrawals or transfers per account, per calendar month from any of these accounts (not including loan payments to Heritage South).
Once the limit has been reached, the system will no longer allow such a transaction and any automatic transfer may be returned as unpaid.

1. What is Regulation D?
Federal Regulation D places a monthly limit on the number of transfers you may make from your Savings Accounts or Money Market Accounts (MMAs) without your physical presence being required. Transfers affected by this regulation therefore include:

  • Transfers made using Internet Banking
  • Transfers made using Telephone Banking
  • Overdraft transfers (made automatically to cover insufficient funds in other accounts; see below)
  • Transfers made by a Member Service Representative on your behalf
  • Pre-authorized, automatic, scheduled or recurring transfers (see below)

You are allowed six such transfers per month, per account, but only three of those may be made by check (Money Market accounts only). A check will count in the month in which it clears, not when it was written.

2. What transactions are not affected by Regulation D?

  • ATM transactions.
  • Transfers made to HSCU loans.
  • Transactions done in person at a branch (including Shared branches).
  • Transactions sent in by mail, or Night Drop with an original signature

3. What are my options once an account has reached its Regulation D limit?
You may complete withdrawals and transfers in person, by mail, or at an ATM.

4. If an account used for Overdraft Protection has reached its Regulation D limit, will overdraft requests be honored?
No, if the Overdraft Protection account is a Savings Account or MMA. In that case, you will receive a notice by mail and incur an Insufficient Funds change for every overdraft attempted beyond your monthly limit. However, if the Overdraft Protection account is a Line-Of-Credit loan (which is not affected by Regulation D) the overdraft will complete normally. To apply for a Line-of Credit loan, contact us.

5. I have authorized a merchant to automatically withdraw payments from my Savings Account or MMA; do these count against my monthly limit?
Yes. These payments (which you might know as "ACH" or "EFT" transactions) follow Regulation D limitations. Any withdrawals attempted beyond your monthly limit will not be honored, and you will receive a notice by mail and incur an Insufficient Funds charge. To avoid this situation, make automatic payments using something other than a Savings Account or MMA, such as a checking account. Contact the merchant to arrange this change, and be aware that your request could take more than a month to go into effect.

What are reloadable debit cards?
1.1 What Is The CUMONEY Card?
The CUMONEY Card is a prepaid debit card that allows members to make purchases at merchants, get cash at the ATM and reload funds to the card through an easy-to-use website. The CUMONEY Card is branded with VISA, Plus and Interlink, making it possible to use this card at thousands of locations worldwide.

1.2 What Makes The CUMONEY Card So Special?
The CUMONEY Card offers members all the advantages of using a debit card and can be used as a financial management tool for members that may not qualify for other card programs or even students.

1.3 How Does It Work?
Normal Debit Cards are funded from the members’ share or share draft account at the credit union. The CUMONEY Card is not linked to the members savings or share draft account.

1.4 Funding A Prepaid Card
Funds can be loaded from home if you have a bank account to draft the funds from or you can visit any of our locations to reload using the card number.

IMPORTANT NOTE: Funds loaded at the credit union are not available immediately but usually take only a few hours to be put on the card. Members will be able to reload funds to the card by visiting A three-day-hold will be placed on funds loaded by the members at the website. Some fees may apply and rules and restrictions are available at the credit union for review.

What does it mean when my debit card has been compromised?
When a debit card is compromised, it does NOT mean that your credit union's information has been hacked. Debit card information is usually compromised by the mishandling of your payment information at a merchant or payment processor. For instance, when you make a purchase at Wal-Mart, CVS, McDonald's, gas stations, etc. and swipe your debit card the payment information is sent by the retailer to a payment processor (i.e. Heartland Payment Systems). As a result of a security breach or mishandled information, someone can gain access to payment information that is stored in their database (NOT the credit union) for anyone that has shopped at those retailers.

We are alerted of these situations through fraud-alert monitors associated with VISA so that we can proactively capture (or block) activity on the cards of our members that have shopped at those retailers to protect their account and prevent fraudulent activity from occurring. These incidents involve multiple banks and credit unions and it is left up to the institution on how they handle the compromised cards.

In the past, Heritage South Credit Union has proudly taken an aggressive stance to protect our members from possible fraudulent activity by blocking activity and automatically reordering new cards. As a result of this we experience very few instances of fraudulent activity due to compromised debit cards. If you have any further questions, feel free to call the office during normal business hours at 256-245-4776.


What do I do if my transaction has been declined?

During regular operating hours, contact our Call Center at 1-256-245-4776 and we will assist you. For an afterhours inquiry, please use our Decline Line Toll Free at 1-888-526-0404 or Collect 1-206-352-4954 for assistance.


Can I use my debit card in a foreign country?
As an added precaution to our members, we have blocked all activity on our debit cards from foreign countries unless we are notified. In the midst of global concern over card theft and fraud, we feel this proactive measure will serve to protect our members from fraud generated in foreign countries. Debit card access while visiting foreign countries may be turned on for a member's cards if they are traveling to another country however the member should contact us before they leave to turn on access. Simply stop by one of our branches to have this featured turned back on before you leave for your trip.

Do you have mobile banking?
Yes we do. We have MobileTeller App available to members who need to access or transfer funds from their Mobile device. The Heritage South MobileTeller App is available for Android and Iphone devices only. 

For Android Users: click here to download

For Iphone Users: click here to download

Know before you go! Your cell phone carrier may charge for internet and data services so check your plan first to make sure you can access the internet for no additional charges.

Can I transfer money online from my account to another member's account?
Yes. Online money transfers are allowed between accounts of which you are a joint owner.
To activate the ability to transfer between accounts, contact a member service representative, call us at 256-245-4776, or feel free to stop by one of our branches during normal business hours.

What do I do if I forget the password to my online banking?
If you forget your password for online banking, either call our Call Center during normal business hours at 256-245-4776 or stop by one of our branches and speak to a Member Service Representative. After your identity is verified, we can reset your password.

What is Regulation E?
The Federal Reserve recently passed an amendment to Regulation E (Electronic Funds Transfer) which requires financial institutions to obtain member consent prior to overdrafting a members’ account by paying an ATM or everyday debit card transaction.

The amendment to Regulation E now requires you to Opt-In to the way this relates to your ATM and everyday debit card transactions by August 15, 2010 or we will not be able to cover these transactions. You may Opt-In by any of these methods.

If you want to see no disruption in your current service, we encourage you to Opt-In right away. If you have any questions or would like to Opt-In by phone, please contact us at 256-245-4776.

How can I opt in?
You have 4 methods to Opt In...

  • Call our Call Center at 256-245-4776
  • Through our Voice Response system by calling 256-249-8318
  • Opting in through your Online Banking account
  • By visiting any of our Tellers or Member Service Representatives

What do I need to know about overdrafts and overdraft fees?
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

What are the standard overdraft practices that come with my account?
We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to:

  • ATM transactions
  • Everyday debit card transaction

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Heritage South Credit Union pays my overdraft?
Under our standard overdraft practices, you will be charged a fee of up to $30 each time we pay an overdraft and there is no limit to the total fees that we can charge you for overdrawing your account.

What if I want Heritage South Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?
If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, you may "opt in" by calling 256-245-4776, from inside your Online Banking account, or call our 24 hour voice response system at 256-249-8318.

Why do I get an error about ARC Draft Images when trying to view a check image from Online Banking?
This is not a problem with our system, what happens is the check is scanned at the register and converted into a different type of transaction, an ACH transaction instead of a regular check withdrawal. This means the actual check image never makes it to our system and cannot be displayed through our check image archive.

For this type of transaction, the check is usually given back to you at the register (like at Wal-Mart) so there is no method for us to retrieve the image for our system.

You can usually tell one of these transactions by the description "Point of Purchase Check" in the transaction detail.

What's wrong when I click "Online Bill Pay" in Online Banking and nothing happens?
If you click the "Online Bill Pay" link inside Online Banking and the only message you see says Single Sign On Option 01, check for a minimized, open window OR add the site as an exception to your popup blocker.

Online Bill Pay opens in a new window and therefore may get blocked by a popup blocker.

How Do I Signup for Online Banking?
Signing up for online banking is quick and easy! Simply contact our Call Center during normal business hours at 256-245-4776 or come by any of our locations so we can activate online banking on your account. We will assign you a temporary username and password that you will be asked to change when logging into the system.

That's it! Before you begin, add our online banking site as an exception to your popup blocker and make sure javascript and cookies are enabled on your browser.

Why didn't I get my eStatement?
Here are a few reasons why you did not get your eStatement.

  1. eStatements may not have been delivered yet: eStatements are normally delivered in the afternoon on the first business day of the month. You may call and check to see if eStatements have been delivered. 
  2. You did not verify your email address: If you did not verify your email address, then eStatements will not be delivered to your account and the notification will not be sent to your email address.
  3. Check your Junk/Spam folder: The notification email may have been sent and delivered but simply filed in your junk email or spam folder. Log into your email account and check that folder. If you see the email in there, add it to the Safe Senders list to ensure it will be delivered to your Inbox next month.

If you have verified your email and checked your junk/spam folders and you still did not receive your email. Contact us our Call Center at 256-245-4776 for further assistance.