Virtual Branch Home Banking

Manage your accounts anywhere 24 hours a day 7 days a week. Just sign up for our Virtual Branch Home Banking product.


IRFCU is now mobile... Ingersoll-Rand FCU is delighted to offer its members a convenient way to manage their finances. With our new Mobiliti product you can view your account balances and transaction history as well as transferring funds and paying your bills. If you are signed up for Virtual Branch Home Banking you can simply go to App store and download our free App. If you are not signed up for Virtual Branch Home Banking just click on on the Virtual Branch tab on our home page.

Notary Service

Ingersoll-Rand FCU has two Notaries' available to notarize documents for our Members. (Signatures only). There is no charge but a donation is greatly appreciated. All donations are given to a local Valley charity at the end of each year.

24 - Hour ATM Service

For your added convenience, we have a 24-hour drive-thru ATM machine located in the first drive-thru lane in the back of the building. This ATM machine will process any ATM transactions whether your account is with us or at another institution. If you have our Master-Card Debit, you will not be charged for the transaction. Other financial institution cards will be charged a $1.50 service fee. You may also deposit checks to your account by using your MasterCard Debit card with our new check depositor feature.

The night deposit box is located in the first drive-thru lane behind the building. These deposits are verified by two Member Service Representatives and are processed every morning.

Direct Deposit

Your net pay or a specified amount, Social Security, Pension or any other benefit you receive can be electronically deposited into your Credit Union account(s). If you have the deposit come into your Share/savings account, we will be able to allocate it to your other credit union accounts. Take advantage of this free service today and start enjoying the extra time it will give you.

Before starting your Direct Deposit, contact us to make sure you have the proper information needed. We have Direct Deposit forms for Social Security, general employment and military pay and allotments. If you are depositing to your Share (savings) account please do not provide voided checks for your direct deposit as the micro line is not the account number that is needed for the deposit

Wire Transfer

Ingersoll-Rand Federal Credit Union is able to process and receive wire transfers. Wire transfers done within the United States and processed before 3:30 p.m., are usually deposited on the same day. Please contact your Credit Union office for further information.

Money Orders

We offer Travelers Express Money Orders. You may purchase Money Orders for $2.00 each. We can issue Money Orders up to the amount of $1,000.00.

Card Services

Credit Cards are one of our most popular financial services that are used by our Members.

Visa Credit Cards

Credit Cards from Visa make it convenient for you to make purchases and to obtain cash worldwide. Currently, we offer three types of Credit Cards.

Want to check the status of your Visa Credit Card account? Want to make your Visa payment on line? You can now access your account on line. Just go to Access Point. Stop in the office or give us a call to find out how you can apply for one of these cards.

Visa Lost/Stolen After Hours Phone - (800) 991- 4965

Verified By Visa

To further protect your on line transactions using your Visa Credit Card, be sure to enroll your card first with Verified by Visa. You may go to www.verifiedbyvisa.com to begin enrollment.

MasterCard Debit

The card that works like a check...only better!

With a Credit Union MasterCard Debit, paying from your share draft/checking account is easier than ever. There is no check approval to wait for. Just present your MasterCard Debit at the time of purchase and the amount is automatically deducted from your share draft/checking account, giving you a reliable, dependable way to pay for virtually everything.

Your MasterCard Debit is welcome anywhere MasterCards are accepted or at any ATM that displays the MasterCard logo. Use your MasterCard Debit close to home or around the world. You'll welcome the convenience it offers at places where checks are not accepted. You can make the card that works like a check part of your everyday routine.

Only have a savings account? You can obtain a MasterCard Debit card that will withdraw strictly from a savings account for ATM transactions only.

If you have any questions about using your MasterCard Debit card or would like a MasterCard Debit card application, contact any one of us here at the Credit Union.

Lost/Stolen MasterCard Debit call (800) 472-3272

MasterCard Secure Code

Your MasterCard Debit Card is now equipped with MasterCard Secure Code. This free service will give you password protection when you shop on line. To enroll your MasterCard Debit Card you can go to: www.MasterCardSecureCode.com

Regulation E.... What This Means to You.

Reg E... What is it?

As of August 15th, 2010, for current members, and July 1st, 2010 for new members, this means that we can no longer provide overdraft services for Debit Card transactions and ATM transactions without your permission. If you choose to Opt In, we will continue with the same service that you have already been receiving. If you choose to Opt Out, your Debit Card and ATM transactions that exceed your balance will be DECLINED.

If you would like more information whether to Opt In or Opt Out, please feel free to contact the Credit Union by phone or stop by the office and ask any of our staff. We will be happy to answer any of the questions that you may have.

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