2317 Easton Avenue Bethlehem, PA 18017-5099 Phone 610-691-0041 Fax 610-691-8624 E-mail service@btcu.org

Convenient Access:

Click here to do your BTFCU banking on the Internet. (Requires registration before using first time.)

Link to the new, improved Electronic Bill Payment site. (Requires registration before using first time.)

The phone number for Audio Response (Bank-by-Phone) is 1-800-553-0857. Click here for audio response instructions.

Click here to do your VISA card banking on the Internet. (Requires registration before using first time.)

Click here to find ATMs that charge no fees to BTFCU members.

Click here for the CUNA Mutual Member Financial Services website.

Click here for an online Mortgage Application.

Click here to see BTFCU's Savings Accounts and Savings Rates.

Click here to see BTFCU's Loans and Loan Rates.

Office Hours:

Monday, Tuesday,
Wednesday, Friday:
9:00 a.m. - 5:00 p.m.
Thursday:
9:00 a.m. - 6:00 p.m.

Click here to go to BTFCU's Kid Stuff pages.

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Serving Members Since 1935

Check 21 Act

The Check 21 Act, which became effective October 28, 2004, was enacted to improve the overall efficiency of our nation's payment system, and to reduce dependency on ground and air transportation of checks between banks and processing centers. When the 9/11 attacks occurred, the country's air transportation systems were immobilized, not allowing checks to be flown from city to city for clearing. As a consequence, the concept of converting paper checks to electronic transactions was born and is now a federal law known as the Check 21 Act.

As part of Check 21, your checks may clear faster. Since your paper check will be transmitted electronically, there will be less float (the time between when a check is written and when it clears.) Consumers will need to make sure that adequate funds are in the account to avoid problems. Even if your paper checks are truncated (or stored electronically and then destroyed), it will still be possible for you to obtain copies of "substitute checks". For more information or a full disclosure on the Check 21 act, call or stop by the Credit Union office.

You can also get more information, information is available from the Federal Reserve website.