FREQUENTLY ASKED QUESTIONS

• Who can become a member?
• How do I apply for a loan?
• How can I make a loan payment?
• How do I find the payoff balance for my loans?
• How can I reorder checks?
• How do I check my debit card transactions?
• What is the difference between my available balance and my balance in e-Tex?
• Why don't I see all of my accounts when I login to e-Tex?
• My computer saves my passwords automatically, how do I get it to stop?
• Why should I change my password every 90 days?
  
• What is CoVantage CU's routing number?

How do I apply for a loan?
You may apply for a consumer loan online by logging into e-Tex, clicking on the "Loan Options" menu, then "Apply For A Consumer Loan". You may apply for a mortage loan by logging into e-Tex, clicking on the "Loan Options" menu, then "Apply for A Home Mortgage". Or you can stop in at any of our locations and apply in person.

How can I make a loan payment?
You may make a loan payment at any CVCU location, you may use e-Tex or Tex to transfer funds from a CVCU savings or checking account, or you may sign up for Payroll Deduction/Direct Deposit, Automatic Transfer, or use our Night Deposit box to make loan payments.

How do I find the payoff balance for my loans?
You may call or stop by any CVCU location for the payoff balance on your loan. You may also view payoff balances by logging into e-Tex, selecting "Loan Options", and then "Loan Payoff Amount". Tex also offers a payoff balance on loans as service code 41.

How can I reorder checks?
You may fill out and drop off your CHECK REORDER SLIP at any CVCU location. You may also reorder checks online. Click here for more information on online check reordering.

How do I check my debit card transactions using TEX or e-Tex?
You may check recent debit transactions in e-Tex by selecting "Recent Activity", and then "Recent Debit Card Transactions". Tex also offers recent debit card transactions as service code 62.

What is the difference between my available balance and my balance in e-Tex?
Holds such as certified check holds, check deposit holds, and Debit/Credit card transactions show as a difference in the amount of your available balance versus your balance. You may view these holds in e-Tex by clicking on the link at the bottom of the Main Account Summary page.

Why don't I see all of my accounts when I login to e-Tex?
To have access to accounts with unlike base numbers, the names on each account must be identical, and you must request that we link these accounts for e-TEX access.

My computer saves my passwords automatically, how do I get it to stop?
If you should find that your browser (INTERNET EXPLORER  or  NETSCAPE) is saving your passwords you can use the following steps to correct it.

For Internet Explorer:
Bring up your browser and choose Tools from the menu bar.
Then choose Internet Options.
From this menu go to the Content Tab.
Click on Auto Complete.
You can pick clear forms to clear all user names from any forms they have been saved to. You can pick clear passwords to clear all passwords from anywhere they have been saved. Do not check the box Prompt me to save passwords if you do not want any passwords saved. (You should not save your password for e-tex if anyone else has access to your computer.)

For Netscape:
Bring up your browser and go to Edit on the top menu bar.
Choose Preferences and on the left hand side menu and click on the Privacy & Security tab.
Choose Passwords - you will see a box that reads Remember passwords.
Do not check this box if you do not want your passwords saved.  (You should not save your password for e-tex if anyone else has access to your computer.)
Go Back and choose Forms under the Privacy & Security tab.
There is a box that reads Save form data from web pages when completing forms.  This has the ability to save addresses and credit card information.  (If other people have access to your computer you would not want these things saved.)

Why should I change my password every 90 days?
Changing your password every 90 days provides enhanced security when using e-Tex. It helps to keep your account secure, fulfills requirements for enhanced security, and makes it difficult for computer hackers to access your account data.

What is CoVantage CU's routing number?
The routing number is 275976655. This can be found at the bottom of your checks. See the image below.