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At Polam Federal Credit Union we are focused on providing our members with the highest quality in service. Whether you have a general banking question or need assistance with your online banking account we are here to help.

During Business Hours
To report a lost or stolen VISA Credit Card or Debit Card, please call

(650) 367-8940 for California or (860) 223-0200 for Connecticut

After Business Hours
To report a lost or stolen VISA Credit Card, please call (855) 349-1394

For lost or stolen VISA Debit and ATM Cards, please call (800) 554-8969

Polam Federal Credit Union places a large focus on ensuring your financial information is protected.
We have also taken the assignment of ensuring our members are educated on how to do the same.

Below are a few tips to help safeguard your information:

• Set up Online Banking to review your transactions regularly.
• Always properly log out of your online banking account when you are completed with your transactions.
• Ensure your antivirus software is up to date
• Properly shred all financial statements before throwing away
• Take precautions when entering information on a website you do not trust

ACH:
For all incoming ACH transfers:

Polam Federal Credit Union
770 Marshall Street
Redwood City, CA 94063
ABA/Routing #: 321076292
Member’s Name
Account Number

Incoming Wires
Incoming wire transfers to Polam should be directed as follows:

Receiver Bank Information:
CATALYST CORPORATE FEDERAL CREDIT UNION
ABA# 311990511
SWIFT# CCFDUS41
ADDRESS: 6801 Parkwood Blvd., Plano TX 75024
TO CREDIT:
Polam Federal Credit Union
ACCT # 321076292-005

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Outgoing Wires
You will need the following information to transfer funds from your Polam account to any other financial institution within the United States.

• Beneficiary’s Name and Account Number
• Receiving Institution Name and Address
• Routing Number of Receiving Institution

Outgoing wire transfers to Polam should be directed as follows:

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Polam   – Western Union

Domestic and International Money Transfer

Charges to member’s account in connection with their shares and draft program are as follows

Overdraft dishonored and returned	$ 25.00
Overdraft fee per each item (first five each month are free)	$ 10.00
Overdraft honored fee	$ 20.00
Returned item fee	$ 25.00
Stop payment fee	$ 15.00
Stop payment done on the day of clearing	$ 20.00
Copy of statements per page	$ 1.00
Copy of checks (first three are free)	$ 2.00
Account closing fee	$ 10.00
Reconciliation of account / Account research	$ 25.00 / hour
Compliance with legal order	$ 20.00
Special handling / Manual entry	$ 5.00
IRA annual maintenance fee	$ 20.00
Wire transfer fee- Domestic	$ 30.00
Wire transfer fee- International	$ 45.00
Change of address-unless member notifies the Credit Union	$ 2.00
Written verification of account or credit rating	$ 5.00
Cashier’s check	$ 5.00
Money Order	$ 2.00
Temporary counter checks (no charge with account opening)	$ 3.00
Check orders will be charged according to printing fees
Notice of escheat	$ 2.00
Dormant account fee – Checking after 6 months	$ 10.00 / year
Dormant account fee – Savings after 12 months	$ 10.00 / year
Collection items	$ 20.00
Visa/Debit card annual fee (per card)	$ 20.00
Visa/Debit replacement	$ 20.00
Visa Credit Card replacement	$ 20.00
Visa Credit Card annual fee	$ 20.00
Western Union processing fees vary on amount being sent	$ 20.00 – $ 45.00
Consumer loan application	$ 100.00
Mortgage loan application	$ 450.00
Title lien release	$ 25.00

At Polam Federal Credit Union we believe an education is one of the most valuable investments you can make.

Here are some helpful links to get you started:

Federal Student Aid of FAFSA
Cal Grants
Pell Grants

For more information on how to finance your education please contact Polam Federal Credit Union at (650) 367-8940,