Consumer Privacy Notice: Federal law requires us to tell you how we collect, share, and protect your personal information. Our Privacy Policy has not changed and you may review our disclosure and practices with respect to your personal information here or we will mail you a free copy upon request if you call us at 419-479-4040.

FAQ's

Who owns the credit union?
You do. All those who have an account at ProMedica Federal Credit Union are co-owners. The credit union is a non-profit cooperative, private, full service bank. It is not a part of ProMedica but is dedicated exclusively to those associated with Promedica and their immediate families. Once you are a member, you are a member for life, even if you leave ProMedica.

In 1973 a group of Toledo Hospital employees started their credit union. Today your credit union has $45 million dollars in assets and over 6800 members. Its success rests with its mission of building valued member relationships by offering convenient, personalized banking solutions.
Why do employees join Promedica Federal Credit Union?
Members Save Money
As a cooperative, the credit union gives it profits back to you in the form of low fee and great rates.
For example, loans with your credit union carry no origination fee, no annual fee, and no pre-payment fees. There are over 190 ATMs in our area, totally FREE

Convenience Services
Members enjoy all the internet banking services free of charge, online banking,mobile banking, online bill pay, electronic statements, online applications and access to your VISA account; offices in three hospitals and extended hours at the main office, (every Friday 7:00 a.m.- 8:00 p.m.)

Lifetime Account
Even if you leave ProMedica, you and your relatives can keep your accounts at the credit union for life. Once you become a member, your account is for life.
Why do memebers stay at their credit union?
It's the Relationship.

When you ask a member why they do their banking at the credit union, they might mention better rates and no fees, but they almost always mention the relationship. The only reason ProMedica Federal Credit Union exists is to serve those who are associated with Promedica and their families. Surveys of members reveal that they appreciate the individual attention and personal service they receive. It is your private bank.
What do I need to open an account?
You will need your driver's license, hospital ID with employee number, and $25.00 opening deposit. You can stop by any one of our branches to fill out an application, or print it here and return or fax in.
Who is eligible for a membership?
Anyone associated with ProMedica and his or her family members may have an account at ProMedica Federal Credit Union.
What is the credit union's routing number?
241282373
Are my funds insured?
Yes, your money is federally insured up to $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Association (NCUA). Also, ProMedica Federal Credit Union offers Excess Shares Insurance (ESI), at no cost to you, that provides an additional $250,000 of insurance. So, your money is insured up to $500,000 at ProMedica Credit Union.
How do I report my ATM or Debit Card lost or stolen?
Please call or visit any one of our branch locations to report your card lost or stolen. See after-hours numbers below.

After-hours lost or stolen ATM/Debit Card: 866-842-5208
VISA Customer Service: 800-808-7230
Lost or stolen VISA: 800-VISA-911 or 410-581-9994
Loan Application Inquiries: 419-479-4040
How long do I have to pay courtesy pay back?
You have 30 days from the first initial withdrawal to pay back your Courtesy Pay.
What types of fees are associated with loans?
None! Our loans have no application fees, no pre-approval fees, and no pre-payment penalties.
Can I still be a member of the credit union if I leave ProMedica?
Yes! Even if you leave or retire from ProMedica, you and your relatives can keep your accounts at the credit union. Once you become a member, your account is for life.
Do you share my information?
No, your account information is never shared outside of the credit union. We work with your payroll department from time to time regarding direct deposit and payroll deduction. No account activity or information is shared with any other party. For more information read our Privacy Disclosure.
What are the fees for Online Banking and Online Bill Pay?
None! Our online services are free of charge.
How many ATMs are there?
We have over 190 Free ATMs in the Greater Toledo Area and over 40,000 Free nationwide ATMs, including ATMs in all 7-Eleven stores. There will soon be 13 credit union ATMs in various ProMedica facilities: TTH/TCH, Flower, Bay Park, Bixby, Herrick, St. Luke's, CHS, Wildwood, and Paramount. Click here for our ATM locator.
What is the difference between an ATM and Debit Card?
Some members have an ATM-only card. This type of card can be used with Savings Accounts only. Some members have a card which is a combination Debit Card and ATM card. This card is linked with both your Savings and Checking account and can be used at an ATM and for point of sale purchases. A Debit Card purchase is just like writing a check. The purchased amount will be deducted automatically and instantly from your Checking Account. When using a Debit Card, choose "Credit" over "Debit" when signing. When you choose "Credit" the credit union is charged less of a fee.
What is the daily purchase amount with a Debit Card?
The daily purchase amount using your Debit Card is $2,500.
What is the daily withdrawal limit?
The daily withdrawal limit is $1,500 when you come into the main office. If you need to withdrawal more than the allotted amount, please contact the main branch up to a week ahead of time so we can ensure funds are available. Using your ATM or Debit Card, the daily withdrawal limit is $400.
Why must I keep a minimum of $25.00 in my Savings Account?
Your $25 minimum deposit into a Savings Account establishes you as a member of ProMedica Federal Credit Union. It is your "share" of ownership in the credit union and the basis for opening all other accounts, using our member only services and benefits. As long as you maintain your $25 balance, you are a member of the credit union for life.
I've moved. How can I change my address?
Stop by any one of our branches to fill out a change of address form.
How do I close my account?
Please stop by any one of our branches to close your account.
How do I add another person to my account?
Stop by any one of our branches with the person you wish to add to the account. Make sure he/she brings a valid driver's license.
When I apply for a loan online, how long before I hear a response?
You will hear back from a Financial Service Representative within 24 hours.
Can I go to any branch to wire money? Can I do it over the phone? What is the cost?
Yes, you can go into any of our branches to wire money or receive a wire. You must come into the branch because your signature is required on all wires. You will also need the name of the bank, the bank's routing number, receiver's name, address and bank account number, and the reason for the wire. The cost is $25 and $50 for international wires. For incoming wires, please call any one of our branches for wiring information to give to sender.
What can I do on telephone banking?
With our ProCall 24 hour Telephone Banking system, you can check balances, transfer funds, review deposits, cleared checks, and withdrawals. If you do not already have a ProCall PIN, please call any of our branches. The 24 hour ProCall number is 419-479-4022.
Commonly used phone numbers:
Afterhours lost or stolen ATM/Debit Card: 866-842-5208
VISA Customer Service: 800-808-7230
Lost or stolen VISA: 800-VISA-911 or 410-581-9994
Loan Application Inquiries: 419-479-4040